09-22-2010 06:29 PM
I have recently purchased shoes for the kids from Masseys, and a purse from K. Jordan, in hopes to finally have credit. I have paid them off, but just got my reports and I don't se anything. Its been 2 months. I also recently applied and was approved from BBRZ, 100CL. Only history is medical bills that were discharged through bk in 2008. What should I do once the BBRZ reports? Can I call and request the others to report if they don't? Im looking to buy a house in the next yr, or yr and a half. Only looking for a 90k mortgage. Any help is welcome. Thanks!
09-22-2010 06:47 PM - edited 09-22-2010 07:01 PM
call the masseys and k jordan, are they reporting ? if not, better close them
your credit score so bad
open secured credit card with capital one, orchard or public savings, better with your credit union.
try macy's, open in the store.
if you can open 2 secured card that good, since no bank want give you unsecured.
your best buy master card with 100 bucks will help you a lot, pay in full before due date
1 or 2 more credit card and 1 store is ENOUGH for you to improve your score
in my opinion ,Dont apply unsecured card with 510 score , waste inquiry, almost all bank will decline your application.
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