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Member
Posts: 20
Registered: ‎06-21-2010
0

Need help to boost scores


TU
EXPEXUIFAX
0489609
Created on: 06/21/2010Created on: 06/21/2010Created on: 06/21/2010

 

 

What to do?? I have a student loan that should show up soon. I have no credit cards, no car loan, only old bad debt that was cleared through bk7 discharged in 2008.


Starting Score:9/22/2014 TU 737, EQ, 601, EXP 555
Current Score:3/16/2015 TU 662, EQ, 669, EXP 643
Goal Score: 750 across


Kohls 300 Fingerhut/WebBank 1200 DiscoverIT Secured 200 NFCU CashRewards


Valued Contributor
Posts: 1,291
Registered: ‎05-13-2010
0

Re: Need help to boost scores

Try the Orchard Bank Secured Card at hsbcapply.com.

 

Secured is pretty much the only way for you to go right now unless you are willing to get a guarantor.

BofA Cash Rewards VS - $25k/9.99% | Citi Dividend World MC - $12.1k/11.99% | Amex BCE - $20k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $21.5k/11.99%
Member
Posts: 20
Registered: ‎06-21-2010
0

Re: Need help to boost scores

awesome, I actually just did that, and will send in $200 tomorrow. thx


Starting Score:9/22/2014 TU 737, EQ, 601, EXP 555
Current Score:3/16/2015 TU 662, EQ, 669, EXP 643
Goal Score: 750 across


Kohls 300 Fingerhut/WebBank 1200 DiscoverIT Secured 200 NFCU CashRewards


Valued Contributor
Posts: 1,291
Registered: ‎05-13-2010
0

Re: Need help to boost scores

Good, glad to see you were approved.  In 3 months, try for a slightly harder secured card, such as BofA or Citi.  Then in about 6 months from then, you should be able to get an unsecured card.

BofA Cash Rewards VS - $25k/9.99% | Citi Dividend World MC - $12.1k/11.99% | Amex BCE - $20k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $21.5k/11.99%
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Need help to boost scores

 


nomionekanobe wrote:

 


TU
EXP EXUIFAX
0 489 609
Created on: 06/21/2010 Created on: 06/21/2010 Created on: 06/21/2010

 

 

 

What to do?? I have a student loan that should show up soon. I have no credit cards, no car loan, only old bad debt that was cleared through bk7 discharged in 2008.


 

Welcome to the forums, nomionekanobe!

 

May I ask where you got your scores from?

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Contributor
Posts: 683
Registered: ‎04-05-2008
0

Re: Need help to boost scores

Whatever you do, DON'T get a CC by First Premier.  Run quickly away from them!!!  


Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800


Take the FICO Fitness Challenge


Starting Score: 708
Current Score: 743
Goal Score: 800


Take the FICO Fitness Challenge
Member
Posts: 20
Registered: ‎06-21-2010
0

Re: Need help to boost scores

Free score.com

 

We would like to buy a house in about a year. looking at 60k homes in the area. Need to get this stuff in order


Starting Score:9/22/2014 TU 737, EQ, 601, EXP 555
Current Score:3/16/2015 TU 662, EQ, 669, EXP 643
Goal Score: 750 across


Kohls 300 Fingerhut/WebBank 1200 DiscoverIT Secured 200 NFCU CashRewards


Member
Posts: 20
Registered: ‎06-21-2010
0

Re: Need help to boost scores

Agreed! my husband had one in college.


Starting Score:9/22/2014 TU 737, EQ, 601, EXP 555
Current Score:3/16/2015 TU 662, EQ, 669, EXP 643
Goal Score: 750 across


Kohls 300 Fingerhut/WebBank 1200 DiscoverIT Secured 200 NFCU CashRewards


Established Contributor
Posts: 683
Registered: ‎04-05-2008
0

Re: Need help to boost scores

You need to pull your FICO scores from here.  FICO scores are used by most creditors.  So, pull your EQ and TU from here, then repost your scores.  You may get more help after that. 


Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800


Take the FICO Fitness Challenge


Starting Score: 708
Current Score: 743
Goal Score: 800


Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 16,375
Registered: ‎03-12-2007
0

Re: Need help to boost scores

 


nomionekanobe wrote:

Free score.com

 

We would like to buy a house in about a year. looking at 60k homes in the area. Need to get this stuff in order


You have time to work on your credit scores.:smileyhappy: Here's a heads-up, the scores you posted from Free Score are what we call FAKOs, scores that lenders do not use. For more info on all of this, please click on the link, Credit Scoring 101, in my sig line.

 

Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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