Reply
Member
Posts: 28
Registered: ‎12-17-2012
0

I got step 1 out of the way. Have had capitol one card for over 6 months. Can I get a decent cc now?

[ Edited ]

Hi ive been lurking on this forum since late last year and decided to repair My credit co I can get a couple decent cc's and hopefully be ready for a mortgage when the time comes. So when I started back around December I had 3 baddies of which 2 were 7 years old. They ended up dropping off in the last 6 months and I have the one left time from timewarner from 2010 for a couple hundred dollars. I would like to get this deleted but want to make sure I approach it the right way so it doesn't stay on My report. Any advise on this would be appreciated. 

My current scores are around 670 and My TU is about 690. Can anyone suggest a card for me? All I Have on My credit file is 7 months of payments on a $200 capitol one card.

ive heard there are a few cards for people with fair credit.

-Walmart

-Amazon

-barclays

and a few more. Can anyone suggest a card? 

cap1 secured $200/cap1 quicksilverone $300/walmart card $200/amazon card $600/jcrew $250/buckle $250

STARTING SCORES 550s - DEC 2012
EXP 643 (lender pull) 8-19/ TU 618 (lender pull) 8-19/EQ 624 (FAKO) 8-19

GOAL SCORES 720+ BY END OF YEAR!
Moderator
Posts: 27,205
Registered: ‎09-13-2012
0

Re: I got step 1 out of the way. Have had capitol one card for over 6 months. Can I get a decent cc

The cc's you listed fit your cr profile. Depends on what you are looking for, store cc, charge card; rewards, travel, can back, etc.

If the CA is yours you could try a PFD.
Member
Posts: 28
Registered: ‎12-17-2012
0

Re: I got step 1 out of the way. Have had capitol one card for over 6 months. Can I get a decent cc

i just want a regular unsecured cc. any limit is fine, just whichever one i have the best chance of qualifying for as i dont want a bunch of HPs on my report. any bonuses such as miles or cashback are secondary, just want to start branching out a little. i noticed my score go up about 30 pts a month ago or so i think maybe its bc i passed the 6 month mark of payments with my cap1 card. i figure it's time for a real cc that will give me cli's in the future.

cap1 secured $200/cap1 quicksilverone $300/walmart card $200/amazon card $600/jcrew $250/buckle $250

STARTING SCORES 550s - DEC 2012
EXP 643 (lender pull) 8-19/ TU 618 (lender pull) 8-19/EQ 624 (FAKO) 8-19

GOAL SCORES 720+ BY END OF YEAR!
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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.