@Anonymous wrote:Just turned 18, I had a family member open a few accoutnts in my name and let them get sent to collections..
I have called and gotten a few of them taken care of my score was at 250. And now IM up to a score of 490....
I been attempting to apply for many store card with no luck.. I have attempted the following store cards
Target, Kay jeweler's, and Best Buy.
What are more good options to try IM not looking for a big line of credit.. IM not expecting anything higher then $300 anyways,
thanks in advance for any advice
things don't add up, you just turned 18 and you got things already in collections? Collections takes about 6 months of non-payment, and also the Fico score range is from 300-850 if you have a 250 I don't know what to say?? besides CARD act makes it so you have to prove income if your applying for a credit card under 21 years old so it's not something people should easily be able to pull off under your name. Post 1 troll?
@Anonymous wrote:What are more good options to try IM not looking for a big line of credit.. IM not expecting anything higher then $300 anyways,
thanks in advance for any advice
There's a few things you need to do :
- Pull your Credit Report.
- Point out all the Collection Account ( Paid and not PAid )
a. Paid Account: Check and see if they already delete from your credit report. Sent them Good Will letter ask to remove from your credit report. b. Not Paid : Sent them PFD ( paid for delete ) google for some sample and make it your own. - Ask some of your family member add you as authorize user on their long credit card account. Its will improve your score a lil bit.
- Dont apply for anything else until you get all the negative account remove from your credit report.
- After doing all this you would see your score improve about another 50 to 100 points. Wait till your score get to somewhere around 550 to low 600".
- After your credit score increase till 600. Went to your local bank( whoever you bank with ) and ask them if they can get you some credit card product. If they turn you down ask for their unsecured credit cards ( which you had to deposit anywhere from $300 to $3000 and then they offer you their CC product. OR go to Credit Union and ask for the same thing ( Remember you only do this step until your score improve from 50 to 100 points from now. )
- By doing all this, 6 months to 1 year from now you would get 2 or 3 credit cards on your own. Don't Screw them up. Dont even think about using it. Maybe just swipe them 1 per months and then paid if Full. After your new account report for 6 months you would see your score improve a lots.
- Don't ever let anyone open CC, credit line or anything in your name. You should learn your lesson from now. Anw....you still young, its a long way to go. Fix them up and rebuild them again.........
- Join credit check total dot com. and Fico Score Watch. They offer $10 for credit monitor and you also get unlimited pull ( Good for people on rebuilding) you know what add up and what had been delete.
- Good Luck and dont Give Up ^_^
Starting Score: 560