In the mean time..

[FixMyCredit1992]

Actually yes. One baddie is pending deletion, the other is being DV'ed tomorrow.

[myjourney]

Tough love again then I'm done trying for good

Let me get this right you're thinking of apply for a Wells card because you have a secured card with them and you think this may help with the approval? 

I'll let you answer that question but here's a hint......

Wells will see your history and a big negative will pop up ..........LATE PAYMENT

Go right ahead and apply now I give

[Creditaddict]

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@FixMyCredit1992 wrote:

Actually yes. One baddie is pending deletion, the other is being DV'ed tomorrow.

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Okay, Capital One would be next on my list if I was you BUT... DO NOT APPLY UNLESS YOU GET A PRE-QUAL OFFER FROM THE CAPITALONE.COM WEBSITE.

[FixMyCredit1992]

"You do not need more credit to improve your scores.  Once your accts and inq's age and you have a longer payment history, you won't need the SP cc's. "

I'm not actually wanting them. 

When I start improving, I want to find SP's/ SCT's that are low score favorable to be pre-approving me, (but not actually accept the offer).

The go up the ladder until prime CC's are pre-approving me.

If I'm getting pre-approved when I wasn't before that means I'm doing better, and when I get to the prime cards, If I get PA I can apply. 

Basically what I'm saying is that due to the high number onf INQ's, I want to "test the water" as I go down the improval road, before going head first with a hard inquiry. I can't afford to waste any more INQ's. Any more trigger pulls I need to be very confident will be an approval. 

[gdale6]

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@Creditaddict wrote:

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@FixMyCredit1992 wrote:

Actually yes. One baddie is pending deletion, the other is being DV'ed tomorrow.

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Okay, Capital One would be next on my list if I was you BUT... DO NOT APPLY UNLESS YOU GET A PRE-QUAL OFFER FROM THE CAPITALONE.COM WEBSITE.

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OP says on ano forum that he has apped for Cap-1 recently....

[FixMyCredit1992]

"Okay, Capital One would be next on my list if I was you BUT... DO NOT APPLY UNLESS YOU GET A PRE-QUAL OFFER FROM THE CAPITALONE.COM WEBSITE."

Does their secured card show up in the pre-qual? 

[Creditaddict]

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@gdale6 wrote:

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@Creditaddict wrote:

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@FixMyCredit1992 wrote:

Actually yes. One baddie is pending deletion, the other is being DV'ed tomorrow.

---

Okay, Capital One would be next on my list if I was you BUT... DO NOT APPLY UNLESS YOU GET A PRE-QUAL OFFER FROM THE CAPITALONE.COM WEBSITE.

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OP says on ano forum that he has apped for Cap-1 recently....

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I never recommend applying to capital one until capitalone.com website tells me they have an offer for me unless spark because the online doesn't offer pre-approvals for that... but for personal... I NEVER apply if not offered on Capitalone.com website only!

and OP, when your credit improves and you get offers IN THE MAIL, you will know you can possibly apply, I may have been born but it wasn't yesterday (did I get that right, sound like my father) and oh happy fingers of yours is not going to see a congrats you are pre-approved sitting in front of you and you are going to tell me you are not taking it!~  LOL you can't even go a week without applying for something you are not pre-approved for... SORRY!

[Creditaddict]

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@FixMyCredit1992 wrote:

"Okay, Capital One would be next on my list if I was you BUT... DO NOT APPLY UNLESS YOU GET A PRE-QUAL OFFER FROM THE CAPITALONE.COM WEBSITE."

Does their secured card show up in the pre-qual? 

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Yes

[emptypockets]

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@FixMyCredit1992 wrote:

"Okay, Capital One would be next on my list if I was you BUT... DO NOT APPLY UNLESS YOU GET A PRE-QUAL OFFER FROM THE CAPITALONE.COM WEBSITE."

Does their secured card show up in the pre-qual? 

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Ok really, jus stop! People give you solid advice and you won't listen. If you cannot pay $830 in total limits down to less than 9% utilization without taking 6 months, you have no business taking any money to put on a secured card. If you have cash for a secured card, just pay down your current balances to help your utilization, and SIT DOWN and don't app for anything for 6 mos to a year. 

[Creditaddict]

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@Creditaddict wrote:

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@FixMyCredit1992 wrote:

"Okay, Capital One would be next on my list if I was you BUT... DO NOT APPLY UNLESS YOU GET A PRE-QUAL OFFER FROM THE CAPITALONE.COM WEBSITE."

Does their secured card show up in the pre-qual? 

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Yes

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It will give you the BIG CONGRATS! this offer is for you... if you don't get that message, it's not an offer!