Which Credit Cards Can I Try My Hand at With These Scores

[moneymitch]

Experian - 600

Equifax - 581

TransUnion - 629

I have 4 baddies. I currently have a NFCU secured, SDFCU secured, Fingerhut & Conns. 

Thanks in advance

[Blodreina]

Barclay Rewards

[PrimeRate]

With 4 baddies, I'd worry about getting those removed and hitting the garden to let your accounts age a bit..

Worry about applying once your report is in order. I think apping Barclays rewards at this point would be a mistake.

It's great you're in with NFCU(wish I had a way in)! Continue to build your relationship with them! They will definitely reward you!

Best of luck Money Making Mitch(hopefully your username is a Paid in Full reference, if not ignore this line lol).

[SunriseEarth]

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@moneymitch wrote:

Experian - 600

Equifax - 581

TransUnion - 629

I have 4 baddies. I currently have a NFCU secured, SDFCU secured, Fingerhut & Conns. 

Thanks in advance

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Since TU is your highest score, you might have luck with a SyncB/GECRB backed store card (Walmart, Sam's Club, JCP, Amazon, etc.).  Barclay pulls TU, but your scores might still be lowish for them.  You might be able to get one of the Commenity "shopping cart trick" CCs, but they SP either EX or EQ, depending on the card.   On my CR from EX, I see that VS and BrylaneHome SPed on EX when I tried the "shopping cart trick" last year.    At least with the "shopping cart trick," there's no harm in trying it.

I also highly recommend working on the baddies (if you're not doing that already).   Check out the Rebuilding section of the Boards, as there's lots of good advice to gain from there!   Good luck!

[SunriseEarth]

Regarding the GECRB accounts...they usually require that you be at least 2 yrs post BK.  So if you went thru BK less than two years ago, I would wait.  

[moneymitch]

All of the accounts I have are approaching 12 months of on time payments. I just started service with skyblue to give me a had with the 4 derogs I have. NFCU should unsecure at the end of the yr. The marks are all 3 to 5 yrs old at this point. I've never filed BK.

[SunriseEarth]

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@moneymitch wrote:

All of the accounts I have are approaching 12 months of on time payments. I just started service with skyblue to give me a had with the 4 derogs I have. NFCU should unsecure at the end of the yr. The marks are all 3 to 5 yrs old at this point. I've never filed BK.

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Typically, members of this community don't recommend "credit repair" services, since most of what they can do on your behalf (i.e., dispute with the CRAs) can be done on your own for free.   Some people feel they don't have time to address issues, but it's not as time-consuming as you might think.   I don't know much about Skyblue in particular, but IMHO, money spent toward these businesses would be better spend directly toward resolving any outstanding debts.   I would still recommend posting more specifics about your baddies over in Rebuilding and we might be able to help you resolve credit issues.  

[Creditaddict]

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@SunriseEarth wrote:

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@moneymitch wrote:

All of the accounts I have are approaching 12 months of on time payments. I just started service with skyblue to give me a had with the 4 derogs I have. NFCU should unsecure at the end of the yr. The marks are all 3 to 5 yrs old at this point. I've never filed BK.

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Typically, members of this community don't recommend "credit repair" services, since most of what they can do on your behalf (i.e., dispute with the CRAs) can be done on your own for free.   Some people feel they don't have time to address issues, but it's not as time-consuming as you might think.   I don't know much about Skyblue in particular, but IMHO, money spent toward these businesses would be better spend directly toward resolving any outstanding debts.   I would still recommend posting more specifics about your baddies over in Rebuilding and we might be able to help you resolve credit issues.  

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+1 If these things are 3-5 years old you might be able to dispute them and they disappear otherwise you need to make settlement offers and work with them to get reported as $0 balance or to pay for delete (but i don't hold my breath for that unless they are medical)

but the services typically won't even work on all the accounts at one time to stretch out the months longer and the first round of letters they send will literally be a basic dispute that the accounts are yours or something... so you will spend 1 month of service to even get past the basic dispute that you can do through each site for free in seconds.