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Member
Posts: 9
Registered: ‎06-16-2009
0

Subprime cards

how do I take my 2 cards that are sub prime and get into a real card mind you both cards are primer cards ( ouch) but that was my rebuilding cards 1 @ 350 limit 175 used

and the other @ 250 limit with 87 used i'm sitting @ 670 right now ? I just need to lose these cards

 

thanks for any input


Starting Score: 582
Current Score: 670
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Valued Contributor
Posts: 2,424
Registered: ‎03-15-2012
0

Re: Subprime cards

FICO/FAKO/AAOA/Issuer of cards?

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Subprime cards

You need to get the utilization down below 10% on those cards, then wait a month before you do anything.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


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Valued Contributor
Posts: 2,424
Registered: ‎03-15-2012
0

Re: Subprime cards

Ok, I see you're using FP, and you made reference to having a Household bank card too at some point. Baddies on your CR's?

The better option is to get away from the fee sucking cards, get a decent deposit ready, and go for a secured card.

Valued Contributor
Posts: 2,424
Registered: ‎03-15-2012
0

Re: Subprime cards

Never to be confirmed/denied (thanks llecs), some of the bigger players frown on seeing First Premie's reporting on someone's reports.

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Subprime cards

get your utili down less than 9% and wait about 1 months....

Maybe good for Discover.....one of my buddie got approved with 640 fico score.....well hope you do too...


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Member
Posts: 9
Registered: ‎06-16-2009
0

Re: Subprime cards

ok thanks, a big pay down within the next week on the cards and cross my fingers thanks for the input

 


Starting Score: 582
Current Score: 670
Goal Score: 750


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Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
0

Re: Subprime cards

Just make sure it's before statement date. Won't matter if you pay now and charge them back up before the statement cuts and still reports.
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