11-10-2012 10:43 AM
11-10-2012 10:46 AM
get a DCU account for free fico score and their secured cards graduates with a bachlors or better and just keep feeding your secured cards more money. Remember that it's quality over quantity and some subprime cards are red flags for some prime companies with that being said remember your fico might get better, but you might have a false sense of security in the future for getting better cards.
11-10-2012 12:28 PM
I seem to be caught in a spin needing a "fix" constantly looking for accounts I might qualify for. My Fakos are all around 600 and I was trying to get credit to help rebuild credit. I don't have any judgments or bk, but I do have a few older colle toons I'm disputing and a 30 day late from Capitol one that I goodwilled and received a letter that they would remove but it is taking them forever!
I was approved for Fingerhut 400, Gettington 400, Target Red 300, but denied by Gap, JCP, Macy's, Walmart and Valero Gascard. This is bumming me out because I woe love to rebuild history.
I have a Capitol One Platinum 300 and Credit One 400, plus a secured USAA Amex for 600 that doesn't show up on my credit report.
It sounds that you are looking for someone to tell you to stop applying for new credit. If that's the case, we have a place called the Garden Club where you would fit right in. Tons of great stories about how not applying for credit has helped improve scores, rebuild credit, and increase credit limits. There you will receive support and you can set goals for score improvement and time between applications. I'm going to hit 5 months app free in a few days, and it feels great. My scores started at 700, and I can't wait to see where they go after 6 months when I apply for my new cards.
You are stuck in low limit hell, and the only way to get out is to show creditors you are responsible with the credit you currently have and wait for them to increase your limits.
Come join the fun:
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.