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Established Member
Posts: 24
Registered: ‎10-25-2012
0

Help! I need AA (applications anonymous)

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.

Any suggestions?
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Help! I need AA (applications anonymous)

get a DCU account for free fico score and their secured cards graduates with a bachlors or better Smiley Wink 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.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Member
Posts: 24
Registered: ‎10-25-2012
0

Re: Help! I need AA (applications anonymous)

What is dcu?
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Help! I need AA (applications anonymous)


blink182 wrote:
What is dcu?

Digital Credit Union

 

www.dcu.org

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,607
Registered: ‎09-15-2012
0

Re: Help! I need AA (applications anonymous)


blink182 wrote:
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.

Any suggestions?

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:

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-November-2012/td-p/1675076


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
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Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: Help! I need AA (applications anonymous)

+1

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