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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.
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.
awesome, I actually just did that, and will send in $200 tomorrow. thx
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.
@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?
Whatever you do, DON'T get a CC by First Premier. Run quickly away from them!!!
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
Agreed! my husband had one in college.
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.
@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. 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.