@twall06 wrote:Currently I have a secured Merrick card with a 250 limit it was all I could out down at that time back in november. In December I got a credit one unsecured card with a 300 limit. Should i try for a Bank of America card or maybe US bank secured card since they graduate to unsecured. Or maybe a Cap1 secured not sure though since I just paid off a Card that is a legal item on my reports that was through them.
Hello twall06! Welcome to the forums!
It might help if we had a little more info on your credit situation. Info like: baddies and how many recent inqs and deniials, ect... I wouldn't app anything just yet till we get a better idea of where you are credit wise. 2 CCs to start rebuilding is a pretty good start. Thanks!
Starting Score: 642
^^^yes what @improvingmycredit said give us more info and it wil be more easy to determine, although with your curent cards you can get into pretty good cards once they mature and you show good history.
Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
+1 to bettercredit. Please Garden for a while. If you need inspiration check out the Garden Club thread. Also, let us know what type of baddies you have and how old they are. That way we can let you know how long we think you should Garden. If your baddies are recent, you may need to Garden for up to a year. But if they are old, you might be able to apply for new cards in 4-9 months.
