@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.
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.