Bluerain wrote:I want to also try and get an unsecured CC and hoping they will
use only Transunion because that score is the highest.
I won't be using these cards other than to pay for small bills ..just trying to build credit back up.
Thanks
With your scores, I'd think Discover More would be a good fit. I believe they check EQ and TU...someone correct me if I'm mistaken please!
Starting Score: EQ 546, EX 547, TU 580
I too always had way more in the bank than my CC charges. Back when I had credit cards, 20 years ago, I used to pay about 3 months worth of charges in advance then I'd wait until I started getting the "red envelopes" and pay the back couple of months and the next three months in advance. I figured the late fees and interest was their compensation. I was working day and night at the time and just didn't have the time to deal with it. The CC companies never complained. I guess each of them could see the pattern so they weren't freaked out. Amex, OTOH, a charge card I rarely used, just called out of the blue and canceled after I made one charge and paid it on time. Go figure. I gradually stopped using all my CCs and switched to a debit card since I didn't have to pay any monthly bills with it. Dumb move but I had no idea what credit reports even were.
I have reestablished credit over the last couple years
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