04-07-2009 09:38 PM
04-07-2009 10:27 PM
Are you positive it is because the collection is 'unpaid' ?
You would have to apply again unless the CC would do a soft pull when you can recon. If you can recon i.e. Was it a BOA secured? I think Orchard secured is pretty easy to get. I got it with 4 unpaid baddies. CUs are very good too.
04-07-2009 10:34 PM
04-07-2009 10:36 PM
04-07-2009 10:48 PM
04-08-2009 01:14 AM
04-08-2009 11:35 AM
04-08-2009 01:06 PM
Here is the story I'll try to keep it short.
So I was applying for a Worldpoints card with Bofa but was denied they counter-offered with the Platinum Plus Visa card with a $500 limit. So I took their offer. A couple months later I sent a message to a representative asking when they usually give increases their response was my account was never eligible for an increase and I would never be able to do a product change.After investigating I found out that it was not a unsecured card but a secured card that I didnt have to put any money into the account. I called and they told me that the best thing to do was to open another secured card because I was eligible and that that would help me in the future. Hearing how well secured cards work and how they helped people I applied and was denied because of the collection that never updated.
I have tried Capital One and their service stinks. I had to fight to get lates off my credit report because I was hospitilzed and they didnt want to pay even though I paid the payment protector.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.