04-15-2012 09:04 PM
The only reason I mentioned WalMARt was bc they approved me last year when my score was in the high 500s and I'm less than 100 from paying them off so was hoping they'd give me another shot.
Maybe I should just wait a month and see what happens with the PFD and DV's I sent out.
Oddly enough my EQ dropped after a 1500 charge off fell off.
04-15-2012 10:08 PM
You show a Credit One Pre-Qual Score, Did you apply for it? if not, they are a great option for rebuilding... just watch your payments and send the money using your bank bill pay not their website or phone.
I would go to orchardbank and do the pre-qual and see if you get unsecure offer
same at capital one.
04-15-2012 11:31 PM
Look for a credit union secured card. Stay away from the First Premiers and the like.
Build a relationship with the credit union and you can go far in a comparatively short time.
What occurred to bring about this WM card closure?
04-16-2012 12:37 AM - edited 04-16-2012 01:20 AM
03-07-2013 03:59 PM
I was wondering how things are working out for you? I am in that same position right now and need some encouragement.
03-13-2013 08:36 PM
I'm with you guys. I've been very frustrated. My PFDs have not worked much, and my quest for a secured card has been constantly denied, even for the Cap 1 secured. I need a car very soon but can't get approved for less than 25% interest and my salary is pretty low compared to many. The debt i incurred due to a job loss in 09 has ridiculous interest rates, judgements, and all. It's crazy. I did get a Fingerhut fresh start though- once you pay an installment loan with $30 down, you get an unsecured card. I bought something for 69.99 ... 86 with shipping, so I'm going to pay the DP on Friday and once they've credited that just pay the remaining amount a day or so later. The crap was way overpriced but i guess worth it for an unsecured line no one else will give me.
I'm going to try to put aside a little money for an unsecured at NFCU which i'm lucky enough to be a member of. I've also already opened a secured loan with them that has payments just over $20/month. Hopefully something works to get my scores up
05-29-2013 11:34 PM
Split post to form a new thread within Credit Cards
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.