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Ok, I have been trying to rebuild my credit but I think I'm going about it the wrong way: EQ: 623 TU:685 (just updated) EX:655. I have MERRICK:1000 CREDIT1: 600 CAP1 Sec: 500 (6 years), CAP1 Plat: 500 QUICKSILVER1: 500 and then store cards: VS: 550 ON:200 Walmart:150 Meijers: 500 Macy's:400 Carson's: 350 Kohls:300 Kay and Jared: 3000
Outside of my VS all of my store cards were opened this August plus the Cap Plat and Quicksilver. I want a credit card that's not just a store card with a decent limit...am I reaching to high? The only reason I got the store cards was because I couldn't get a regular unsecured card with an OK limit.
Derog: VZW 2013 and Santander 2013
No collections or public records
Thanks in advance for you guys input!!!
No, you are not reaching too high. How many inquiries do you have? How is your utilization on these card?
i have 15 inquiries on each. That's horrible right? I can't get approved for anything. I applied for discover DENIED. Was advised to apply for a blue cash card DENIED! My TU just went up to 685 yesterday via myFico so should I just wait a few months to apply for a credit card?
I ALSO HAVE A CHASE CHECKING ACCOUNT ON MY CHEXSYSTEMS REPORTING SINCE 2012
@Anonymous wrote:i have 15 inquiries on each. That's horrible right? I can't get approved for anything. I applied for discover DENIED. Was advised to apply for a blue cash card DENIED! My TU just went up to 685 yesterday via myFico so should I just wait a few months to apply for a credit card?
I ALSO HAVE A CHASE CHECKING ACCOUNT ON MY CHEXSYSTEMS REPORTING SINCE 2012
Your checking account on chexsystems has nothing to do with you not getting approved for credit cards so don't confuse it. Yes, 15 inquiries on each report is a lot. Stop applying for credit cards now.
What have you done about getting rid of the derogatories on your report? And if you have not done so yet thus by visiting the rebuilding section here, you should take a look as you can find ways to get rid of the negatives.
@Anonymous wrote:No, you are not reaching too high. How many inquiries do you have? How is your utilization on these card?
My utilization is 0% on most of the store cards since I just got them. Overall utilization is 11%.
Also, as you work on the negatives it will give your inquiries a chance to age a bit and your profile to improve as long as utilization is not too high. So don't apply for any more cards.
@Anonymous wrote:
@Anonymous wrote:i have 15 inquiries on each. That's horrible right? I can't get approved for anything. I applied for discover DENIED. Was advised to apply for a blue cash card DENIED! My TU just went up to 685 yesterday via myFico so should I just wait a few months to apply for a credit card?
I ALSO HAVE A CHASE CHECKING ACCOUNT ON MY CHEXSYSTEMS REPORTING SINCE 2012
Your checking account on chexsystems has nothing to do with you not getting approved for credit cards so don't confuse it. Yes, 15 inquiries on each report is a lot. Stop applying for credit cards now.
What have you done about getting rid of the derogatories on your report? And if you have not done so yet thus by visiting the rebuilding section here, you should take a look as you can find ways to get rid of the negatives.
Heading to the rebuilding section now! I was told by a woman who does credit repair if I could pay the derogs in full not too touch them because it'll just restart the 7 years until deletion.
@Anonymous wrote:
@Anonymous wrote:No, you are not reaching too high. How many inquiries do you have? How is your utilization on these card?
My utilization is 0% on most of the store cards since I just got them. Overall utilization is 11%.
I posted before seeing this post. Ok. Utilization is good. Don't apply for anymore cards yet. It is the inquiries and the negatives that are in your way.
@Anonymous wrote:Also, as you work on the negatives it will give your inquiries a chance to age a bit and your profile to improve as long as utilization is not too high. So don't apply for any more cards.
Thank you so much!!!!
@Anonymous wrote:
@Anonymous wrote:Also, as you work on the negatives it will give your inquiries a chance to age a bit and your profile to improve as long as utilization is not too high. So don't apply for any more cards.
Thank you so much!!!!
You are welcome and also, you don't need a credit repair company. If those are the only 2 derogatories on your report the rebuilding section will do you wonders.