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Hi All,
First off I am in the garden till at least 3/2013 but with such a drastic improvement in my credit I have started researching cards that I may want to apply for when the time comes. Because I am so afraid of rejection I am going to give you guys a quick run down of what my credit looks like so I can maybe get a feel of what types of cards I will be approved for.
So as far as baddies:
I have 2 tax liens from California ( currently unpaid but I am going to pay them next week) so I will most likely have 2 paid liens on my record because from what I can gather here that Cali never deletes liens.
One CO for my student loan that was rehabbed. So there are 6 current paid TLs and the old Direct Loans TL that has been impossible to remove.
One medical collection for $285 that is not paid but I will pay it , just sent out a DV and PFD but have gotten no love from the CA so far> Want this to be deleted but it may just be a paid collection, only time will tell with that one.
I have one car repo on my EQ report from 09.
One paid collection from Equinox also from 09. I am trying to GW that one bet no luck so far.
As far as good stuff goes :
I have 6 installment student loans fro 07 with no lates.
An old paid as agreed, revolver from 06 with no lates
Paid car loan from 06 with no lates.
My AAOA is 7 or 8 years depending on the CRA
Oldest Account is 12.8 yrs.
No inquires on any reports.
I have not used credit at all for the past 4 years and need to get back in the game. All insight and suggestions will be much appreciated.
You could try the CapOne Cash Rewards card or Citizens Bank Platinum Visa
I suggest you likely need to start with secured card. Don't apply until after you have paid off the items you have listed.
Capital One would be a good choice among major banks as they are less likely to deny.
@Repo-ed wrote:
Thanks for this link, lots of useful info!
Yes I have been hearing lots of good things about Cap 1. might give them a shot.
@Wolf3 wrote:I suggest you likely need to start with secured card. Don't apply until after you have paid off the items you have listed.
Capital One would be a good choice among major banks as they are less likely to deny.
@Barris wrote:You could try the CapOne Cash Rewards card or Citizens Bank Platinum Visa
Citizen's bank... Might have to look into them.I am not familiar with this bank.Thanks for your recommendations!