07-15-2010 02:23 PM
For a rebuilder card, I would go through a local CU. Call around to a few CUs and find one that pulls the bureau of choice (highest score, least INQ) and go from there.
07-15-2010 02:34 PM
Why are you trying to get it off .... is it past the 7-year mark? If it isn't, don't waste the time. It will only come back verified.
Have you tried a CU or what about Discover? Forget BofA and AmEx. They play hard ball.
07-15-2010 02:47 PM
well, i am trying to get the paid collection off of my EX report. I GW'd the CA & OC for this item, and they fell off on my EQ and TU. so i was wondering why it did not come off my EX as well. The cap 1 charge off will have to wait for the 7 year mark, which is in a year or so.
So i decided to try my luck with BoA, thinking that if they pulled my EQ/TU, i should have a good chance, even if they pulled my EX, the paid collection was long ago enough and small amount, i can tell them i am disputing that with the EX. Plus I have checking account with them for a very long time. that should earn me some points. Even if they don't approve me for the unsecured visa card, they would probably offer me the secured one and start building credit with BoA.
The result? Denied.
called for recon, same result.
They asked about the past collection on EX. yep, they pulled the worst one amojng the three.
They are saying that with my income i should be able to pay off my CC balance shows on the credit report easily and yet i carried a balance, especially for the Aspen card (which was closed by aspen) but i made good amount for it every month (about 150-200), i did not think that paying that balance off ASAP will help my score much in the short term, not better than paying on time and lower open util on my 2 open CCs, and i would much rather putting more $$ into savings and 401k than paying off aspen right away.
I am so disappointed, in myself! Not only i didnt gain anything from this and made a ding in my 0 inqs in past 2 years. They said i could apply for the secured card, now i am not sure if i still want to, it will be a separate hard pull.
I think i am going to just wait for all baddies fall off and only to apply when i get offer/invitations from them.
07-15-2010 02:51 PM
Most prime cards hate any type of derog, regardless of age. Sorry to hear the bad news.
07-15-2010 02:54 PM - edited 07-15-2010 03:07 PM
I got another preapproval in the mail for the Discover More Card- I am not accepting this offer but I think they pull TU. It seems like a pretty decent card I just don't want it.
When I got my Citi Platinum Select I think my Fico Scores were in the 680-690 range. Personally I feel the 680-690 range is about where you want to be for apping.
Also I don't see any reason OP shouldn't roll the dice with the Amex Zync.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.