Johnny_Favorite wrote:I have a 673 Equifax, but the other bureaus are not so good of a score.
Can anyone recommend a credit card that may have at least a chance of approving me, even if with a low limit?
They should probably pull Equifax. I am in California if that helps.
-What other card do you have?
-How long have you had them?
-Any Baddies??
Johnny_Favorite wrote:I have a US bank secured - $300 limit. Just reported.
1 reposession charge off about 6 years ago.
Should I just wait a year to get experience with the US bank and let the repo drop off?
Yes, good idea. Also make deposits on the secured card though the year. Try to get it to 2K.
You may have to app for another secured card. Do you happen to bank at a CU? If not, you can try to get a secured card at BofA, Chase, or WFB. Once you have 2 secured cards, you do as suggested above and try to get both credit lines over $1,000, then garden - use them and pay them in full,on time, every month for 6-12 months. After that you should be eligible to either switch them to secured cards, and/or get approved for a better card.
Good luck.
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