Need help with improving my credit.

[nafelix]

Hi,

 As the title says, I need help with improvng my credit.

About 3 years ago I was 90days delinquent on my payment and that is about the only negative credit history I have.

I have set up a secure loan from my credit union, and been paying it on time for the past 2 years.

I am thinking about applying for a Chevron personal gas card as my first credit card. I have been rejected multiple times back in 2010.

Since then I havent applied for any type of credit, except for my job and my cell phone company looking up my credit history.

 My credit scores are Equifax:664 Experian:663 Transunion:647.  My income in roughly $35,000 before taxes, and my credit report shows that I had a delinquent and that It has been paid off and closed on request of the grantor.

If I apply for a chevron gas card, do you think I will be approved for it?  Even if it is only $100 I want something to help me raise my credit scores.

[NewtoCredit80]

Apply for CapOne Newcomer card. It is card for no or average credit with 2% on travel and 1% on everything else. Most prime cards will come 6-12 months after getting a card for average credit.

[myjourney]

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@nafelix wrote:

Hi,

 As the title says, I need help with improvng my credit.

About 3 years ago I was 90days delinquent on my payment and that is about the only negative credit history I have.

I have set up a secure loan from my credit union, and been paying it on time for the past 2 years.

I am thinking about applying for a Chevron personal gas card as my first credit card. I have been rejected multiple times back in 2010.

Since then I havent applied for any type of credit, except for my job and my cell phone company looking up my credit history.

 My credit scores are Equifax:664 Experian:663 Transunion:647.  My income in roughly $35,000 before taxes, and my credit report shows that I had a delinquent and that It has been paid off and closed on request of the grantor.

If I apply for a chevron gas card, do you think I will be approved for it?  Even if it is only $100 I want something to help me raise my credit scores.

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Welcome to the forum

IMHO wait a couple of months and let scores increase and then look into Cap ! and Discover. 

[SnackTrader]

Secured credit card might be a good option. Just the same, even after you get that it will take some time before your score improves.

[chnceit]

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@nafelix wrote:

Hi,

 As the title says, I need help with improvng my credit.

About 3 years ago I was 90days delinquent on my payment and that is about the only negative credit history I have.

I have set up a secure loan from my credit union, and been paying it on time for the past 2 years.

I am thinking about applying for a Chevron personal gas card as my first credit card. I have been rejected multiple times back in 2010.

Since then I havent applied for any type of credit, except for my job and my cell phone company looking up my credit history.

 My credit scores are Equifax:664 Experian:663 Transunion:647.  My income in roughly $35,000 before taxes, and my credit report shows that I had a delinquent and that It has been paid off and closed on request of the grantor.

If I apply for a chevron gas card, do you think I will be approved for it?  Even if it is only $100 I want something to help me raise my credit scores.

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Welcome to the forums!

If you already have a relationship with your local CU then you should ask them if they could approve you for a CC since CUs are much easier.

Also if you have a Walmart gas next to you then why dont you try the Walmart CC issued by GE.  Save 5 cents per gallon on gas.