10-28-2012 08:27 PM - edited 10-28-2012 08:49 PM
10-28-2012 08:36 PM - edited 10-28-2012 09:52 PM
10-28-2012 08:43 PM - edited 10-28-2012 08:44 PM
WHATEVER YOU DO NOT I REPEAT DO NOT GET FIRST PREMIER
First off There are creditors who will TURN YOU DOWN just for having First Premier in your history. Because they know they're a SUB SUB SUB SUB PRIME lender that even if you have a clean record now, they'll know how bad it was just recently. First Premier is like for a credit is like a cheap hooker at the corner of a 7-11 who charges premium prices. Once you've used one, good luck convining a girl you don't have HIV. That's pretty much how bad it is. Thank god I was able to remove them.
I've seen times when people got refused service for Amex because of it being on their reports. Also stay away from Credit One if you can. Secured credit cards until Prime or NOTHING. (actually capital one can be ok, cause they offer both good and bad credit, but they throw 3 inquiries for an app)
10-28-2012 08:49 PM
10-28-2012 08:49 PM
10-28-2012 08:51 PM - edited 10-28-2012 08:57 PM
Something isn't adding up here. How in the world do you have a credit score of 585 but no negatives at all? Have you pulled your reports and FICO's lately?
That's a very good point.... even with NO credit after 6 months you'll start around 650 is the lowest I've seen.... (minimal required to generate a FICO score) after only 6months of student loans reporting. with NO revolving lines of credit.
Honestly with a 585 I can only see secured credit cards in your near future. Minus First Premier kind of cards... at 585 I recommend apping for Digital Credit Union ASAP as 580 is the minimum to have an account with them. This way atleast you'll get a Free EQ Fico score each month so you know exactly where you should be. And go to Annualcreditreport.com and call the number for your mailed in copy of your credit reports straight from each CRA. This way you'll know exactly what's on it (online version is not detailed as the one you get in the mail, it's a 8 minute phone call 100% automated so you can call at anytime)
Oh and don't even bothering apping for First Premier even if it's the only place that'll approve you unsecured. They do stupid things like $200 credit limit and $179 annual fee so a opening usable balance of $21. A secured credit card is MUCH better way to go.
10-28-2012 09:06 PM
My score are low because I have 6 INQ in my CR and high utilizaton [85% or more]. But don't worry about that since I really just want to know what people with poor/fair credit [with no negatives] apply for when looking for credit cards [except retail and the one I already have]. So if someone will give me a few suggest or even a list, that will help me a lot right now or in the near future.
10-28-2012 09:21 PM
I don't mean to be blunt, but if a CCA is putting a missed payment on your report, do you really need another card? Can you really afford it?
10-28-2012 09:24 PM
improvent363 wrote:Can someone tell me a list of other poor/fair unsecured credit card I can get besides the one below [except retail credit cards]:Note: my credit score is 585 EX, TU 601 with no negatives ever in my CR.Kohls charge cardVictoria Secret cardCapital one Platinum card [2 of them]Express Next cardContinental Finance Matrix Discover® credit cardFirst Premier Platinum credit cardCreditOne Platinum credit cardDiscover cardBillmelater accountI am just looking to apply to different compaines then the ones I already have, so as not to be rejected for having an account already with them.So, please let me know!
IMO you should get your utilization down, then garden.....
But GE cards are a route to go..... and they grow with you!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO