Wife Looking for Credit Card

[js0319]

My wife currently has one CC - it's a joint account between us, and the CL is $2500 unsecured. Her scores are EX 660, EQ, 637, and TU is probably in the high 500's or very low 600's (her last TU 04 score from December was 594). The card we have doesn't report to TU, so that's one of the reasons why there's a big difference in the TU scores.

She's looking for a CC to add to her mix. We always pay our CC in full before it reports, so there's usually no more than 10% reporting in utilization on that card. Here's a breakdown of the baddies still showing on her credit:

Creditor	Type	Status	Fall Off	EX	EQ	TU
Credit Systems Int'l, Inc.	Collection	Collection Account	03/2014	X	X	X
Bank of America	Real Estate	3/08-30, 4/08-60, 5/08-90 Day Lates	06/2014	X	X	X
LVNV Funding	Collection	Collection Account	09/2014	X	X	X
Capital One	Revolving	Paid Chargeoff	09/2014	X	X	X
Citi	Revolving	Paid Judgement	09/2014	X	X	X
Gap	Revolving	Chargeoff Account	09/2014	X	X	X
Merchant Professional	Collection	Medical Collection	09/2014	X	O	X
CU	Installment	Derogatory Account	10/2014	X	X	X
CU	Installment	Derogatory Account	11/2014	X	X	X
Macy's	Revolving	Paid Chargeoff	12/2014	X	X	X
Sarma	Collection	Medical Collection	02/2015	X	X	X
Sarma	Collection	Medical Collection	07/2015	X	X	X
CAC Financial	Collection	Paid Medical Collection	09/2017	X	O	O

Here's a breakdown of what she still owes:

Credit Systems Int., Inc.	Collection	X	X	X	$406	$406	Yes	03/2014
LVNV Funding	Collection	X	X	X	$469	$855	Yes	09/2014
Merchant Professional	Medical Collection	X	O	X	$384	$384	Yes	09/2014
Sarma Collections	Medical Collection	X	X	X	$154	$154	Yes	02/2015
Sarma Collections	Medical Collection	X	X	X	$133	$133	Yes	12/2015

As you can see from the dates, these are all from 5+ years ago. With this information showing on her CR and her scores, do you think there are any CC's she has a shot with?

[sarkell]

I'd try to get stuff deleted and gw ESP medical. Collections gw gap & c1 before aping for credit.

[js0319]

I have been working on this for about 15 months now, and this is what remains. My question is with this information showing, are there any CC's she might be able to obtain?

[dodfire]

I do not think at this point that she can get any unsecure cards. 

I agree, get some more of those removed or after the "fall off" date and she might have a shot at something.

[Ron1]

Try to Macys, Old Navy, JC Penney and may be Target. They're pretty easy to get.

Ron.

[b_seeker]

You might want to look into Citi Secured card. They consider letting it unsecure in 18 months and, in that time, many of those baddies will fall off. What you are willing to put up as the deposit will be the limit on the card and Citi puts it into a CD for you. $29 annual fee.

What CCC doesn't report to TU?

Edit: Nevermind. Just noticed the Citi baddie she has. Not sure they'd approve with that.

[Yeshualovesme]

Try the shopping cart trick, that's how I got express last night and my target card came in the mail today. Low credit limit but it will help my score. My ex-husband started with 200 and before it was over he was up to like 2000. He got the card a week after graduating high school. Almost 18 years later I get my first Target card. YESHUA LOVES ME