08-23-2012 09:57 PM
I Had A capital one card i think last year around october the first of 2011 but i closed like 4 months after i know it was dumb i dint really care about credit cards or credit at all and the dumb credit card was expencive they where doing all type of fees and stuff so i closed but before that i card i aplied like in 7 diferent places and was denied so those inquiries are on my credit for now dont know how long they last there tough.....sorry i got off the question silly me well i just check my fico score here in this website and it shows 701 on equifax and 698 on transunion and well i check the experian website and says 697 so i dont even know if those are good scores i would like to know for what type of credit card could i get now with less fees or if it is even possible to get one i have and income of 38500 $ a year around that and i would like to get a house on the future as well thanks guys sorry for the long message
08-23-2012 10:10 PM
Those scores are okay. But scores aren't everything. I would compare your score to a B in first grade. B is a great grade but its still only first grade.
I was a little unclear. What cards do you have right now? Is that Capital One still open? What limit and open when? Also, any negatives on your credit reports like late payments, charge offs, etc.
08-23-2012 10:13 PM
i dont have any credit cards open and i have never had credit before of any type so i dont have nothing bad on my reports the last card was capitalone never a missed a payment with them either was open for 300 i think never when over the limit
08-23-2012 10:16 PM
Do you have any money you can afford to tie up for 6 months or so? Getting high limit via secured card will jumpstart your credit. Its okay if you don't, but just have to do it the slower way.
08-23-2012 10:21 PM
How Does The Secured Card Work Im really new to all this all i know is from this forum and just what i have been readin here today ?? I heard Many People Talking About The American Express Credit Cards Specially Here In This Forum How Can I get One Of this Cards ?????
08-23-2012 10:27 PM
Highly doubtful you would get Amex right now. Give it 6 months if you follow plan. Can you answer question about coming up with money for deposit? Also, do you have Walmartendear you and do you shop there?
08-23-2012 11:09 PM
Can you give me idea how much you can get? Also Walmart?
08-23-2012 11:16 PM
what about walmart yea theres many walmarts around here i live in L A county and i guess like 1000 would that be ok or i need more i can put up 2 2000 if need it
08-23-2012 11:22 PM
Do you have relationship with bofa? Checking etc?
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