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Which cards should I apply for???

Frequent Contributor

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. Smiley Happy


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
6 REPLIES
Established Member

Re: Which cards should I apply for???

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

Valued Contributor

Re: Which cards should I apply for???

www.whogavemecredit.com

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Senior Contributor

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.

Frequent Contributor

Re: Which cards should I apply for???


Repo-ed wrote:

www.whogavemecredit.com


Thanks for this link, lots of useful info!


Starting Score: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
Frequent Contributor

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: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k
Frequent Contributor

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: 6/6/12: TU 585/EQ 472/ EX 561
Current Score: TU04 774, EQ5.0 761/ EXv2 783
New goal 800
Cap1 QS $17k, Chase Southwest- $15k, Discover IT - $40k