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OpenSky SCC- the worst secured credit card

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Shogun
Moderator Emeritus

Re: OpenSky SCC- the worst secured credit card

Have fun coming up with a creative way of destroying that card!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 31
webhopper
Moderator Emeritus

Re: OpenSky SCC- the worst secured credit card


@newportguy wrote:

Webhopper.... I have no problem with my utilzation it's always 5 % are under. It's at 1 % now and for the inquires, i  only have 1 on each of the 3 bureaus.


 

You have super prime cards and super prime credit scores; there is no reason for you to keep open sky! I was referring more to the guy who mentioned a score drop after closing open sky... he may have had those issues
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 12 of 31
Jutz
Valued Contributor

Re: OpenSky SCC- the worst secured credit card

+3. Close it. I doubt you'll be sweating it falling off your AAoA 10 years from now. 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 13 of 31
newportguy
Frequent Contributor

Re: OpenSky SCC- the worst secured credit card

It's sure going to be fun tomorrow Smiley LOL ,when i give them a call. The OpenSky will become the ClosedSky. I have been wanting to close it for a while now !!!!! Just didn't know if would be the right thing to do. I have made my mind up now.. Going to feel good to have my new CLOSEDSKY SCC.  Smiley Very Happy


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Message 14 of 31
webhopper
Moderator Emeritus

Re: OpenSky SCC- the worst secured credit card

CLOSEDSKY! ROFL!!!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 15 of 31
newportguy
Frequent Contributor

Re: OpenSky SCC- the worst secured credit card

webhopper .......... I am too Smiley LOL ..... I want to thank everyone for their help. O yeah i open it up 2 years ago on the 15th of Nov. So they wont be getting the 50 dollars they were going to charge me in 3 days.Smiley Very Happy ...... Thank You


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Message 16 of 31
Cadillac-XTS
Established Contributor

Re: OpenSky SCC- the worst secured credit card

TAKE IT DOWN

Message 17 of 31
Anonymous
Not applicable

Re: OpenSky SCC- the worst secured credit card

Hi, I am in the process of rebuilding my credit, I am currently with a credit repair agency since March 2014. So far I have not seen much improvement. Could anyone please give some suggestions as to what is the best and fastest way to boost up my scores. I also have an Opensky secured credit card and manage to dispute quite a few accounts they were removed. Scores are Equifax 451, Experien 574, and Transunion 614 I know not the best by far, I'm trying...  

Message 18 of 31
Chaselover
Frequent Contributor

Re: OpenSky SCC- the worst secured credit card

And also,, it never graduates.

In a committed relationship with Chase from 12/2012.
Age: 26, Income: $59,240/-, Current score: TU from CK: 750/A (12/24/14), TU Vantage score from CK: 775/C (12/24/14), Experian from Creditsesame: 717, Equifax from myfico: 724, Overall Util: 1% (12/24/14), Total credit limits: $62,150, In the garden from 12/19/2014, AAoA : 7 months, Oldest account: 8 months, Newest account: 1 week, HP: 18.
Message 19 of 31
-Wade-
Valued Contributor

Re: OpenSky SCC- the worst secured credit card

LOL, This is one of my old threads Smiley Surprised

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 20 of 31
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