11-18-2012 02:55 PM
11-18-2012 04:12 PM
@Lightdog555 I don't know how much of a factor it will be but when I recieved my first secured card from Capital One I was in Encino. After six months of perfect payment history, I was pre approved for a Capital One rewards card. Either way, at 590 IMO secured is the way to go. Good luck and keep us posted.
11-18-2012 05:52 PM
Hello all. I am in the process of rebuilding. My scores are in the 590's. I have about 8 baddies all coming in 08/09. Since then I have an auto loan from Wells Fargo never late opened in 2011 feb a Kay's card limit 800 balance 500 since June never late. Amex oasis limit 500 balance 135 since jan 2012 never late. I am seeing if anyone has any experience with Ventura area credit unions or Los Angeles area credit unions. I am looking to open a secured card. Prior to that I am going to pay off the Kay's card so my utl should be better. Thx for your help!
Since you are already a customer, the Wells Fargo secured card has good terms and likely approval. Worth considering if CU does not work out.
11-18-2012 08:33 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.