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Need help to boost scores

Established Member

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.

Kohls 300 * Fingerhut/WebBank 1,800 *DiscoverIT Secured 200 *NFCU CashRewards 7,000 *Capital One 5,300 *Gettington 1,500 *HSN 750 *76 500 *West Elm 500 *Kohls 300 *Old Navy 3,500 *Evine Live 1,000 *VS 750 *Tj Maxx 250 *Express 500 *JcPenney 500 *Carson's 500 *Lowe's 5,000 *Walmart 3,500 *Pier1 500 *Jared 2,000 *Kay 2,000 *NFCU CLOC 15,000 *NFCU Mortgage 103,000 15yr conventional 3.9%. Started with a secured discover card on 10/2014 and a score of 498
Message 1 of 12
11 REPLIES
Valued Contributor

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 | Citi Double Cash World MC - $18.9k | Amex BCE - $50k | Discover it - $50k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k |
Message 2 of 12
Established Member

Re: Need help to boost scores

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

Kohls 300 * Fingerhut/WebBank 1,800 *DiscoverIT Secured 200 *NFCU CashRewards 7,000 *Capital One 5,300 *Gettington 1,500 *HSN 750 *76 500 *West Elm 500 *Kohls 300 *Old Navy 3,500 *Evine Live 1,000 *VS 750 *Tj Maxx 250 *Express 500 *JcPenney 500 *Carson's 500 *Lowe's 5,000 *Walmart 3,500 *Pier1 500 *Jared 2,000 *Kay 2,000 *NFCU CLOC 15,000 *NFCU Mortgage 103,000 15yr conventional 3.9%. Started with a secured discover card on 10/2014 and a score of 498
Message 3 of 12
Valued Contributor

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 | Citi Double Cash World MC - $18.9k | Amex BCE - $50k | Discover it - $50k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k |
Message 4 of 12
Moderator Emeritus

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?

Message 5 of 12
Established Contributor

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
Message 6 of 12
Established Member

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

Kohls 300 * Fingerhut/WebBank 1,800 *DiscoverIT Secured 200 *NFCU CashRewards 7,000 *Capital One 5,300 *Gettington 1,500 *HSN 750 *76 500 *West Elm 500 *Kohls 300 *Old Navy 3,500 *Evine Live 1,000 *VS 750 *Tj Maxx 250 *Express 500 *JcPenney 500 *Carson's 500 *Lowe's 5,000 *Walmart 3,500 *Pier1 500 *Jared 2,000 *Kay 2,000 *NFCU CLOC 15,000 *NFCU Mortgage 103,000 15yr conventional 3.9%. Started with a secured discover card on 10/2014 and a score of 498
Message 7 of 12
Established Member

Re: Need help to boost scores

Agreed! my husband had one in college.

Kohls 300 * Fingerhut/WebBank 1,800 *DiscoverIT Secured 200 *NFCU CashRewards 7,000 *Capital One 5,300 *Gettington 1,500 *HSN 750 *76 500 *West Elm 500 *Kohls 300 *Old Navy 3,500 *Evine Live 1,000 *VS 750 *Tj Maxx 250 *Express 500 *JcPenney 500 *Carson's 500 *Lowe's 5,000 *Walmart 3,500 *Pier1 500 *Jared 2,000 *Kay 2,000 *NFCU CLOC 15,000 *NFCU Mortgage 103,000 15yr conventional 3.9%. Started with a secured discover card on 10/2014 and a score of 498
Message 8 of 12
Established Contributor

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
Message 9 of 12
Moderator Emeritus

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.Smiley Happy 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.

 

Message 10 of 12