Credit Cards Center Credit cards from our partners
Regular Contributor
Posts: 146
Registered: ‎04-05-2008

Re: Time for Credit hunting

creditwherecreditisdue wrote:
You have a thin credit file plus a baddie. I would wait for the bad to fall off (7.5 years from DOFD, an EX report may provide an exact date). That could be pretty soon since the repo was in 2003. I am afraid if you don't the Citi experience will be dup'ed with other banks. Alternative is to develop a relationship with a CU of your choice. They tend to be more forgiving.


Thanks for the advice. I am a member with the local CU and will try to apply with them in Sept. In Sept they are changing banks for CCs.
4/30/10: EQ 705 | TU 687
6/09/09: EQ 656 | TU 638 | EX 675 (FICO from LO)
5/11/09: EQ 584 | TU 539
New Contributor
Posts: 63
Registered: ‎07-30-2009

Re: Time for Credit hunting

I've been on the credit hunt too. The last few years have been the Dark Ages for my credit. But after paying my accounts in collections and licking my wounds, I'm rebuilding my credit. These are the new accounts I have:

Orchard Bank $300 - Nov '08

Walmart  $600        Recently Approved

Cap 1 Plat $500     Recently Approved


I'm waiting for a response from Hooters. I applied in November and was instantly denied. Hopefully my good history with my OB card will increase the chances for approval.  I'll stick with these cards for a while and get another copy of my CR. I probably won't apply for anything else, namely a VISA, until next spring or later.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.