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What is the best un secured with my scores

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turts14
Regular Contributor

What is the best un secured with my scores

I am currently in the rebuilding process and have one secured card with a zero balance and one student loan payment reporting and looking to get a secured card to boost my credit.  My scores are..... Let me know what you think my best chances are and where I should apply.  

 

Equifax 645

Trans 622

Experian 630 

Message 1 of 7
6 REPLIES 6
skyisthelimit
New Contributor

Re: What is the best un secured with my scores

You are getting close to a prime card, cap1 is good for rebuilding and your 645 should qualify you for it; you might see people "gripping" about it...but it does do the job!  It's just a couples years from now your score should out grow it, but it sill will help your age for 10 years after clossing.  I would really scrub your credit report and see if there isnt something that will be falling off in the next few months that can put in closer to 700.  Also are you a member or a CU?

Message 2 of 7
skyisthelimit
New Contributor

Re: What is the best un secured with my scores

Also after you let your next card report, you should see a 5-15 point boost in your score; and see a nice jump up to 3 cards.  I had this happend to me.  There may be other cards that you qualify for, look on here and on credit karma (that website lists by score range...very user friendly). GL.

Message 3 of 7
turts14
Regular Contributor

Re: What is the best un secured with my scores

I am not currently a member of a credit union.  But thank you for your response..What score is typically the prime category for credit cards?  660-680? 

Message 4 of 7
FrugalRican
Blogger

Re: What is the best un secured with my scores

Where did you get those scores from?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 5 of 7
turts14
Regular Contributor

Re: What is the best un secured with my scores

Lender pulled, my friend is a mortgage banker 

Message 6 of 7
FrugalRican
Blogger

Re: What is the best un secured with my scores

Just wanted to make sure those were actual FICOs Smiley Happy

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 7 of 7
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