USAA chances?

[2FixMyCredit]

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@p- wrote:

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2FixMyCredit wrote:  Your USAA, you receive the preapproval in the my offer section?  I'll be keeping an eye on mine but I really doubt I'll be adding an additional credit for atleast a year.  

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Yeah, the "My Offers" always has generic stuff they call "Featured Offers" you can apply for, but the real offers come up as a specific card, or car loan, etc.  That's how Wifey got her Platinum, too.  You just click Accept and the rest is magic.  And they seem to like increments of 3,000.

A year is a reasonable wait time, especially if you're working the report like crazy.  If you don't have an offer by then, check out the Capital One Platinum.  People here are pretty down on it but they gave me 3k when I was subprime, and later PC'd me to a green cash with a 10k limit.  And it doesn't have fees.

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Definitely, until I receive a pre-approval for something I won't be applying for anything else.  I will be doing what has been otherwise advised here and just gardening what I have, settling the one negative item on my report and just focusing on getting my score up enough to buy a home.

BTW  -  I have been helping my brother clean up his credit.  His EQ is sitting at 614 and he was just approved for USAA for 3k.

[dodgeball]

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@2FixMyCredit wrote:

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@p- wrote:

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2FixMyCredit wrote:  Your USAA, you receive the preapproval in the my offer section?  I'll be keeping an eye on mine but I really doubt I'll be adding an additional credit for atleast a year.  

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Yeah, the "My Offers" always has generic stuff they call "Featured Offers" you can apply for, but the real offers come up as a specific card, or car loan, etc.  That's how Wifey got her Platinum, too.  You just click Accept and the rest is magic.  And they seem to like increments of 3,000.

A year is a reasonable wait time, especially if you're working the report like crazy.  If you don't have an offer by then, check out the Capital One Platinum.  People here are pretty down on it but they gave me 3k when I was subprime, and later PC'd me to a green cash with a 10k limit.  And it doesn't have fees.

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Definitely, until I receive a pre-approval for something I won't be applying for anything else.  I will be doing what has been otherwise advised here and just gardening what I have, settling the one negative item on my report and just focusing on getting my score up enough to buy a home.

BTW  -  I have been helping my brother clean up his credit.  His EQ is sitting at 614 and he was just approved for USAA for 3k.

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You sure that he was approved at 614? I know for a fact that they will not approve anybody under a 650 no exceptions period. My brother is a underwriter there and he couldnt even help me get approved with scores in the 680"s

[2FixMyCredit]

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@Johnny_Favorite wrote:

Why would I be offended at somebody who is doing something wrong? It's your journey. If you want to use a wrench to hammer nails, then that's all your choice. A wrench can be used as a hammer but there are better tools to use. If you don't open your eyes to other options you are just limiting your own growth.

Do what you wish...it's clear you are going to anyway. Not even sure why you're asking for any kind of advice when you clearly know what you're doing. I love how you're on a forum with tens of 1000's of people who have rebuilt their credit with secured cards but you somehow know better with your Fingerhut account. Fingerhut isn't a bad option if that's your only option (see my signature as proof), but to say it's going to lead you to that Chase Sapphire is just deluding yourself.

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I have a Bank Of America CC with 0% interest and no annual fee. 

Also, I have no interest in having a crap ton of CC's period.  I just want to build my credit and get a home, it isn't to get more credit cards.  I don't need them or want them. 

Now, please allow this peasant to enjoy her night, oh kind king of Know It All Land.

[2FixMyCredit]

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@searchingfor67 wrote:
Keep up the good work OP! Do whatever works for you. I carried FP and HSBC cards for three years before I graduated to prime cards . It took a while, but I enjoyed the journey on the way! Best of luck in your journey...

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Thank you, searchingfor67!  Clearly it can be done, not everyone takes the same path as others.  I just wish certain people would get off my rear end and trying to MAKE me get a secured card. 

Congrats on the prime cards! That is certainly an impressive line up.

[2FixMyCredit]

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@p- wrote:

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 Hahaha! That is how I feel right now

[dodgeball]

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@2FixMyCredit wrote:

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@Johnny_Favorite wrote:

Why would I be offended at somebody who is doing something wrong? It's your journey. If you want to use a wrench to hammer nails, then that's all your choice. A wrench can be used as a hammer but there are better tools to use. If you don't open your eyes to other options you are just limiting your own growth.

Do what you wish...it's clear you are going to anyway. Not even sure why you're asking for any kind of advice when you clearly know what you're doing. I love how you're on a forum with tens of 1000's of people who have rebuilt their credit with secured cards but you somehow know better with your Fingerhut account. Fingerhut isn't a bad option if that's your only option (see my signature as proof), but to say it's going to lead you to that Chase Sapphire is just deluding yourself.

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I have a Bank Of America CC with 0% interest and no annual fee. 

Also, I have no interest in having a crap ton of CC's period.  I just want to build my credit and get a home, it isn't to get more credit cards.  I don't need them or want them. 

No, please allow this peasant to enjoy her night, oh kind king of Know It All Land.

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So I want to know about the blatant lie on the USAA approval, nobody gets a 3k limit with USAA at 614 !

[Johnny_Favorite]

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@2FixMyCredit wrote:

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@Johnny_Favorite wrote:

Why would I be offended at somebody who is doing something wrong? It's your journey. If you want to use a wrench to hammer nails, then that's all your choice. A wrench can be used as a hammer but there are better tools to use. If you don't open your eyes to other options you are just limiting your own growth.

Do what you wish...it's clear you are going to anyway. Not even sure why you're asking for any kind of advice when you clearly know what you're doing. I love how you're on a forum with tens of 1000's of people who have rebuilt their credit with secured cards but you somehow know better with your Fingerhut account. Fingerhut isn't a bad option if that's your only option (see my signature as proof), but to say it's going to lead you to that Chase Sapphire is just deluding yourself.

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I have a Bank Of America CC with 0% interest and no annual fee. 

Also, I have no interest in having a crap ton of CC's period.  I just want to build my credit and get a home, it isn't to get more credit cards.  I don't need them or want them. 

No, please allow this peasant to enjoy her night, oh kind king of Know It All Land.

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Secured card could get you in that home much faster.

LOL okay I shall leave you to enjoy your night. Good luck in your journey and I wish you nothing but success in getting your house.

[2FixMyCredit]

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@dodgeball wrote:

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@2FixMyCredit wrote:

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@Johnny_Favorite wrote:

Why would I be offended at somebody who is doing something wrong? It's your journey. If you want to use a wrench to hammer nails, then that's all your choice. A wrench can be used as a hammer but there are better tools to use. If you don't open your eyes to other options you are just limiting your own growth.

Do what you wish...it's clear you are going to anyway. Not even sure why you're asking for any kind of advice when you clearly know what you're doing. I love how you're on a forum with tens of 1000's of people who have rebuilt their credit with secured cards but you somehow know better with your Fingerhut account. Fingerhut isn't a bad option if that's your only option (see my signature as proof), but to say it's going to lead you to that Chase Sapphire is just deluding yourself.

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I have a Bank Of America CC with 0% interest and no annual fee. 

Also, I have no interest in having a crap ton of CC's period.  I just want to build my credit and get a home, it isn't to get more credit cards.  I don't need them or want them. 

No, please allow this peasant to enjoy her night, oh kind king of Know It All Land.

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So I want to know about the blatant lie on the USAA approval, nobody gets a 3k limit with USAA at 614 !

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Blatant lie?  I suppose you're entitiled to your opinion but it is in fact true.  I would upload proof, but I have nothing to prove to you.  You choose to believe it or not.

[dodgeball]

What part of you dont understand in the little underwriting book at USAA they have Guidelines on how to approve credit. Under those Guidelines it says under 650 is a denial. Whatever enjoy your night

[p-]

2FixMyCredit yelled:  I have a Bank Of America Card

Augh, my eyes!

You know what you need?  This thread:  http://ficoforums.myfico.com/t5/SmorgasBoard/Profile-tweaks/m-p/1864003

Once your BofA card is your sig maybe it will help.

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