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Looking to re-build credit

Valued Member

Looking to re-build credit

Right now my FICO score is 559.  Me an My husband are trying to rebuild our credit. I need opinions on what secured card would be best to help us rebuild. Thanks!

WF Secured - 300
Quizzle Score (FAKO) - 568 (3-5-13)

Starting Score: 559
Current Score: 559
Goal Score: 750


Take the myFICO Fitness Challenge


5 REPLIES
Frequent Contributor

Re: Looking to re-build credit

Capital One has a decent secured card. You can also try a credit union some of them are good with secured cards.


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Super Contributor

Re: Looking to re-build credit


Tink1o5 wrote:

Right now my FICO score is 559.  Me an My husband are trying to rebuild our credit. I need opinions on what secured card would be best to help us rebuild. Thanks!


Welcome Tink1o5

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Member

Re: Looking to re-build credit

Thank you for the welcome

WF Secured - 300
Quizzle Score (FAKO) - 568 (3-5-13)

Starting Score: 559
Current Score: 559
Goal Score: 750


Take the myFICO Fitness Challenge


Mega Contributor

Re: Looking to re-build credit


Tink1o5 wrote:

Right now my FICO score is 559.  Me an My husband are trying to rebuild our credit. I need opinions on what secured card would be best to help us rebuild. Thanks!


Welcome to the forums!!!

 

I agree with Cap1 secured or a local CU. You may have to resort to the dreaded First Premier or CreditOne but you have to start somewhere.

 




EQ FICO 548 3/3/16
Highlighted
New Contributor

Re: Looking to re-build credit

capital one is pretty cool ive had it and been growing with that so far the rules to getting better credit is.... try to pay in full when statement is due or never let more then 30% of usage carry over to the next month..dont apply for too many things because too many inquirys bite =( i forgot the rest =/ lol but theres something atleast

Inquires= 0 as of 3/20/2013 till 4/1/2014
-Amex green NPSL -Discover it 1k -Capital One 1.25k -Walmart 700.00
-JDCU 500.00 -Credit one bank 400.00 (credit builder card =) -Babys R-us 200.00? =(
TU=649
EQ=632 as of 3/20/2013