Things are looking good!!!

[linux007969]

I have been off to a great start building my credit history! Capital One auto increased by limit from $300 to $500 a week ago via their credit steps program, however they did it a month early!!! They were post to raise it my 7th statement, but i will be only getting my 6th in the mail soon... LOL so that was nice.

The newest thing and the best thing ever is I now have a credit score with TU & EQ, they are in my updated signature below. Can anyone please tell me how good my scores are and if you think i may qualify for a Bank of America Secured Card, or should I try AMEX ZYNC again? Any advise would be much apperciated! Happy 4th of July Everyone!

[rootpooty]

whats keeping your eq at 660's? i take it you only have 6 mos history?

[BrokaToe]

I was approved for the BOA Secured 99/500 card on a counter offer back in May.  Not sure what my EX score was at the time, but my other scores are what's listed as my starting scores below.  I had one medical CA and defaulted school loans showing on EX at the time.  But other than that,  I had no revolving trade lines reporting, so my history was very thin.  Only two positives for installment loans, Payed as Agreed and never late.  So they can be forgiving when it come to their secured products and rebuilder type cards.  So I would think you would have a chance with your current scores, but they will pull EX for the initial app. and usually TU for CLI.  Hope this helps.

[linux007969]

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@rootpooty wrote:

whats keeping your eq at 660's? i take it you only have 6 mos history?

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oh yes sorry I forgot to mention in all this excitement, yes I have 6 months of history now! & My Scores are from Myfico.

[Repo-ed]

It's a crap shoot w/ the zync.

They may give you a hard SL.  I would suggest waiting a full year before apping.

YMMV

[linux007969]

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@Repo-ed wrote:

It's a crap shoot w/ the zync.

They may give you a hard SL.  I would suggest waiting a full year before apping.

YMMV

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well i wouldn't care if i had a limit as long as it would be lifted later after good payment history. Also, I am torn between BOA Secured and Zync cuz they are both cards that would grow with me and they are with prime companies. Another thing i may do is after i pay off paypal i may call up a GE Credit Analyst and see if they can raise my limit to about $600, that would help too.

[traveler2005]

From what I understand, American Express doesn't lift the limit if you get a zync with a 200 or 500 preset spending limit. If you read some of the other threads there are many that are still stuck with those limits after a few years with AE.   If you wait to app, then you may get a card with noset spending limit.

[linux007969]

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@traveler2005 wrote:

From what I understand, American Express doesn't lift the limit if you get a zync with a 200 or 500 preset spending limit. If you read some of the other threads there are many that are still stuck with those limits after a few years with AE.   If you wait to app, then you may get a card with noset spending limit.

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Do you have any idea if BOA or AMEX will see the scores right away or do i need to wait like 2 months or something?

[traveler2005]

I would wait another 6 months, wait for you AAOA to increased, you inquires to fade a little, keep your utilization low < 7% and payment history clean. I think you will be set for the zync with NPSL (no preset spending limits) like you really want.

[webhopper]

I agree with Traveler 2005

In 6 months you'll be in good shape for zync with NPSL