I am no expert but have some recent experience and success. I guess it would help in knowing what is on your reports and which might be the "cleanest'.
I waited to apply for anything until I had my reports clean. Rather than getting subprime, large APR and annual fee cards, I waited until my scores were higher (after building good history with installment credit) to apply for more mainstream cards which worked very well in my case and received some nice CL's with good companies.
I noticed your ex score is higher than the rest... is that your "cleanest" report? My cleanest and first report to jump was EQ and that allowed me an in with a credit union and Cabelas. If Ex is your best shot, do a search in credit pulls and on the boards to see where you might go with companies that pull that report.
I wish I would have gotten a secured card with BofA or similar a couple years ago, but my strategy worked in the long-run... luckily.
Do you have any revolving debt now?
Biz |
Current F08 -
Current 2,4,5 -
Current F09 -
No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k