A local CU would be a good place to start.
@brandi76667 wrote:Hi there, I've been lurking here for a few weeks and have some questions.
I've recieved experian free report of 544 score.
In the last year I've been denied for Wal-Mart, Capital One Secured, and JCPenney
That leads me to believe that my scores are extremely bad.
I am interested in starting out with a secured card of $200 deposit when I get my tax refund in Feb. 2014.
The problem is that I am confused on which company to go with for secured card.
Is there anybody here that has been as low as me on the credit todem pole?
haha, I know I can re-build, just a matter of where to start!
Welcome to the forum. If you feel comfortable in sharing your credit profile, it would be helpful.
Baddies; current cc's or TLs; number of inq's?
@brandi76667 wrote:Thanks for the responses!
I only got one report through freecreditreport. Credit Karma says there is a duplicate account, and I am unable to figure out how to log in so far.
FreeCreditReport:
In Collections:
Nov. 2013 Hospital $574
Nov. 2013 Hospital $631
Nov. 2013 Hospital $692
Sept. 2013 Hospital $423
June 2013 Apartment Fee $615
Feb. 2013 Radiology $688
Feb. 2013 Hospital $53
Feb. 2013 Hospital $50
Feb. 2013 Hospital $361
Dec. 2011 Capital One $953
Dec. 2011 Labs $119
Oct. 2011 Radiology $123
Oct. 2011 Hospital $521
Dec. 2010 Labs $36
Feb. 2010 Labs $54
March 2009 Labs $62
3 inquiries.
no public records.
Score 544 Ex. Very high risk
WHEW...
The only thing I have credit wise is a Fingerhut fresh start account. I owe $70 for a purchase in Dec. $14/month. Made my first payment this month.
Plan on keeping it paid on time, so that maybe I can get a revolving account.
No credit cards of any kind.
As suggested, SDFCU is a good start. Please post in a Rebuilding for assistance with the CAs