Starting Fresh

[myjourney]

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@Maximuss wrote:

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@myjourney wrote:

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@Maximuss wrote:

Car loan was paid off Jan 2005

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What all do you have as good TL's on your CR's and do you know all your Fico scores?

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Only thing showing right now is the secured BofA card opened 12/2013 with a 2% debt to credit ratio. Basically $22 being used. It has $1000 CL. Sportsman's Guide Visa hasn't shown up yet. FICO from EQ 708 According to Cap One rejection letter.

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To soon for any more apps 

Build some history now with the new TL's then target Discovery, Barclay and Walmart if you shop there 

[asphaltcowboy]

You can go to the Discover site and see if you have any

pre approved offers, it is just a soft pull and won't affect your

score

[Maximuss]

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@myjourney wrote:

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@Maximuss wrote:

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@myjourney wrote:

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@Maximuss wrote:

Car loan was paid off Jan 2005

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What all do you have as good TL's on your CR's and do you know all your Fico scores?

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Only thing showing right now is the secured BofA card opened 12/2013 with a 2% debt to credit ratio. Basically $22 being used. It has $1000 CL. Sportsman's Guide Visa hasn't shown up yet. FICO from EQ 708 According to Cap One rejection letter.

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To soon for any more apps 

Build some history now with the new TL's then target Discovery, Barclay and Walmart if you shop there 

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When do you think will be prudent to apply for lets say discover?

[Maximuss]

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@asphaltcowboy wrote:

You can go to the Discover site and see if you have any

pre approved offers, it is just a soft pull and won't affect your

score

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Went and it didn't show anything for me.

[myjourney]

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@Maximuss wrote:

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@myjourney wrote:

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@Maximuss wrote:

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@myjourney wrote:

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@Maximuss wrote:

Car loan was paid off Jan 2005

---

What all do you have as good TL's on your CR's and do you know all your Fico scores?

---

Only thing showing right now is the secured BofA card opened 12/2013 with a 2% debt to credit ratio. Basically $22 being used. It has $1000 CL. Sportsman's Guide Visa hasn't shown up yet. FICO from EQ 708 According to Cap One rejection letter.

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To soon for any more apps 

Build some history now with the new TL's then target Discovery, Barclay and Walmart if you shop there 

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When do you think will be prudent to apply for lets say discover?

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About 4 months I would say 

[Maximuss]

Thank you for your time, i really appreciate it. I shop a lot at costco. When would i be in a position to apply for the AMEX they offer?

[myjourney]

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@Maximuss wrote:

Thank you for your time, i really appreciate it. I shop a lot at costco. When would i be in a position to apply for the AMEX they offer?

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With your scores and after you show some history with the cards you have I would say about 8 months 

Your actually doing very well you just need to build some CC history that's all

Good credit is a marathon not a sprint 

[Maximuss]

Thanks again for the feedback.

[myjourney]

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@Maximuss wrote:

Thanks again for the feedback.

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Not a problem we're glad to help