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Member
Posts: 8
Registered: ‎07-14-2012
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What Credit Card???

TRying to rebuild my credit. I just applied for a CAP1 and got denied :smileysad:... which card or dept store card will you ANYone recomened. My myfico from myfico is EQ654 TU602 and exp. 564 from experian.com.. my eq report has 1 Charge/off from a repo back in 09. its shows closed Neg. and a tax and tax lean from 05.. What Card company only pulls EQ

Senior Contributor
Posts: 3,322
Registered: ‎05-05-2011
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Re: What Credit Card???


gogo420 wrote:

TRying to rebuild my credit. I just applied for a CAP1 and got denied :smileysad:... which card or dept store card will you ANYone recomened. My myfico from myfico is EQ654 TU602 and exp. 564 from experian.com.. my eq report has 1 Charge/off from a repo back in 09. its shows closed Neg. and a tax and tax lean from 05.. What Card company only pulls EQ


 

In order to best advise you, we need more info. What else is on your CR? How many CCs? What are your balances? Oldest acct? Newest acct? AAoA? Util (balances vs credit line)?

 

You may need to start with a secured card if you don't have any other credit established. Also, there are different levels of Cap One CCs. So, while you may have been denied, there may be a Cap One sub-prime card that you would be approved for. That's how many of us have rebuilt our credit.

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

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