CreditCardDiva wrote:Hello!
I'm on the road to stellar credit. I have no recent credit history. I had some major financial disasters about 10 years ago, and now I'm at square one. I did find out that I have a couple of negative items on my credit report that aren't mine - different social security and different residence. I found that out accidentally, by talking to a loan officer at my credit union today.
I just got two Mastercards - a Capital One ($200 limit with $49 deposit) and an unsecured Orchard Bank Platinum ($300 limit). I called my credit union to get info as to why I hadn't received my quarterly credit report, and I was asked what I was looking to do with the info. It was suggested that I apply for a Visa and I was transferred to a loan officer, who pulled a report and found the three negatives (not huge amounts), with a different SS#, that don't belong to me. She's sending the dispute letters to me, and I'll forward them to Experian. She asked for my W-2, last two paystubs and verification of my SS#. I think I might have a serious chance of getting approved. She was interested in pursuing it, when I suggested that I not even bother. I got a $500 quick loan from them a few years ago, and it was paid back on time, in full. But they wouldn't give me a Visa, so I wasn't thinking about trying to get a credit card from them. I'm happy to get the two Mastercards, so I'm good either way.
However, I went in with a very humble attitude. I didn't act like they owed my anything, nor did I show any irritation with having to submit additional information. I'm going to garden the two (or three, if I get the credit union Visa) Mastercards for about a year and a half, with no new credit apps, and I hope to graduate to a prime card. I want a Chase...something.
Well, that's it. I just wanted to check in, and I didn't see an intro thread.
Thanks for reading!
Welcome to the forums
play your cards right (pun intended ), and you will have prime cards in a year or so.
Wallet: FNBO DISC 9.5k, , Chase Freedom 3.3k & Slate 3.3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
good luck on your way to building credit! 
Starting Score: Feb 2012 TU FICO 639, EQ FICO 638, EX FICO 602
Hello, and welcome to the forums!
There are many of us here who have been where you are. You've come to a place where you'll find yourself among friends. In additon, you'll also be able to find tons and tons of informative and helpful information. If you have any questions, you can search the forums to see if anyone has already asked something similar. If not, then you are always welcome to post a new thread with your question. And, you'll find lots of support and encouragement as you continue on your journey. Best wishes, and I look forward to seeing you around here again in the future!
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
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