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Regular Contributor
mmmlive1999
Posts: 149
Registered: ‎12-18-2012
0

Which cards should I apply for???

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. :smileyhappy:

Starting Score: 06/06/2012:FAKO TU 585/EQ 472/ EX 561
Current Score: TU08 696, EQ5.0 679/ EX08 660
Goal Score: 700 by 12/2014

Cap1 Venture-$3800, Quicksilver-$1750,Chase Freedom-$2200, Discover IT - $1400
Store Cards: Vic.Sec -$850, Walmart-$650 ,Gap $1000( updated 11/22/2014)
Established Member
Barris
Posts: 113
Registered: ‎12-04-2012
0

Re: Which cards should I apply for???

You could try the CapOne Cash Rewards card or Citizens Bank Platinum Visa

Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
0

Re: Which cards should I apply for???

www.whogavemecredit.com

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Senior Contributor
Wolf3
Posts: 3,197
Registered: ‎01-24-2010
0

Re: Which cards should I apply for???

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.

Regular Contributor
mmmlive1999
Posts: 149
Registered: ‎12-18-2012
0

Re: Which cards should I apply for???


Repo-ed wrote:

www.whogavemecredit.com


Thanks for this link, lots of useful info!

Starting Score: 06/06/2012:FAKO TU 585/EQ 472/ EX 561
Current Score: TU08 696, EQ5.0 679/ EX08 660
Goal Score: 700 by 12/2014

Cap1 Venture-$3800, Quicksilver-$1750,Chase Freedom-$2200, Discover IT - $1400
Store Cards: Vic.Sec -$850, Walmart-$650 ,Gap $1000( updated 11/22/2014)
Regular Contributor
mmmlive1999
Posts: 149
Registered: ‎12-18-2012
0

Re: Which cards should I apply for???

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.


 

Starting Score: 06/06/2012:FAKO TU 585/EQ 472/ EX 561
Current Score: TU08 696, EQ5.0 679/ EX08 660
Goal Score: 700 by 12/2014

Cap1 Venture-$3800, Quicksilver-$1750,Chase Freedom-$2200, Discover IT - $1400
Store Cards: Vic.Sec -$850, Walmart-$650 ,Gap $1000( updated 11/22/2014)
Regular Contributor
mmmlive1999
Posts: 149
Registered: ‎12-18-2012
0

Re: Which cards should I apply for???


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!

Starting Score: 06/06/2012:FAKO TU 585/EQ 472/ EX 561
Current Score: TU08 696, EQ5.0 679/ EX08 660
Goal Score: 700 by 12/2014

Cap1 Venture-$3800, Quicksilver-$1750,Chase Freedom-$2200, Discover IT - $1400
Store Cards: Vic.Sec -$850, Walmart-$650 ,Gap $1000( updated 11/22/2014)

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