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You should join your credit union. Move part of your money there and paid most of your bill with it. Apply for Credit Union card after few months of good used or they might have some best offer for you that you dont even know.
Goodluck on building credit. It's take time and patient.
@nicholasyud wrote:You should join your credit union. Move part of your money there and paid most of your bill with it. Apply for Credit Union card after few months of good used or they might have some best offer for you that you dont even know.
Goodluck on building credit. It's take time and patient.
+1
OP, Credit Unions are the way to go. My 1st CC was from a credit union and because of that I was able to get a personal loan a year later. Credit Unions have opened a lot of doors for me since. YMMV and good luck.
I agree with some of the other posters. It is definitely okay to try and apply for 1 or 2 cards just to see where you stand. If you get approved, that would be great! If not you at least know where you stand and exactly what you need to do. Don't worry, a couple of HPs at this point won't really matter.
Apply for one of the Capital One cards that have an annual fee. Pick your poison. Two cards have a $39 annual fee and one card has a $19 annual fee.
Apply for a Walmart store card. Walmart cards are backed by GE and they are very generous with CLI. You also get a free monthly TU 08 score after signing up for electronic billing.
I think you have a great chance at being approved for both of these cards.
You can do it!
Good luck!
IMO, I would do the following
good luck!
@improvingcredit,
I actually decided to get my TU/EQ score from here last night. TU is 663, and EQ is 628.
@sidney79 wrote:@Anonymous,
I actually decided to get my TU/EQ score from here last night. TU is 663, and EQ is 628.
Those scores are pretty good.
You should be approved for both the Cap1 and Walmart cards.
I know other posters are telling you to apply for the Cap1 Newcomers card but I disagree with them. The Newcomers card is for people that are new to this country, not new to credit.
Do it now! Apply for one of those cards and stop back to let us know how it went.
You can do it!
Good luck!
Cap1 Platinum MC.
I had roughly the same score as you when I applied for it back in oct. 2011. It was my first card on the path to restoring my credit. (i have since upgraded it to a Cash rewards as seen in my sig). I had no open cards at the time. I had a mid-600s FICO, some derogs...but also a pretty decent sized file (20-27 total accounts depending on the bureau).
Bottom line, Cap1 will have an unsecured card you can apply for. Whether it's the Plat MC or some other for newcomers. CU's are good too. Of course, just know that Cap1 will triple pull you....guaranteed.
Good Luck.