I agree with Traveler 2005
In 6 months you'll be in good shape for zync with NPSL
Well hopefully I can hold out for that long. 6 months would be sometime around January, so I guess I'm gardning till January 2013.
***Update***: I applied for a BOA Secured Card ($300 deposit) earlier today and got this message:
"Thank you very much, we received your application.
If approved you should receive your credit-building Secured Card 7 to 10 days after we successfully verify your information and process your security deposit.
The longer you use your credit card and make your payments on time, the more likely you are to build a solid credit record.
Thank you for choosing a Bank of America credit card."
I have read people got this before, so i guess i have to wait till like tuesday and call them and see what's what. What are my odds that i may actually be approved? Does anyone know if they are inquary sensitive cuz i got like 18 inquaries on my reports?