Score today: TU- 715
Score from EQ a month ago -691
I have 1 paid judgement on my report and one late payment that will fall off after Jan next year.
Any advices?
Starting Score: EQ=665,TU=618 on Oct 9,2010
@Anonymous wrote:
@tennisfan78 wrote:
Score today: TU- 715
Score from EQ a month ago -691
I have 1 paid judgement on my report and one late payment that will fall off after Jan next year.
Any advices?
mortgage, auto loan, cc, line of credit?
No mortgage. Paid an auto loan 7 years ago.I just have 2 credit cards. US bank ($1000) and Capital one ($750)
What about opening dates? Are these aged accounts or fairly new? Inquiries?
@mxp114 wrote:What about opening dates? Are these aged accounts or fairly new? Inquiries?
I have both those accounts opened one year ago. I did start with US Bank secured card last year and they graduated me to non secured recently. (I am in the rebuilding phase over the past year)
Other than that, I didnt apply for any credit/loan in the last 12 months.
@tennisfan78 wrote:
@mxp114 wrote:What about opening dates? Are these aged accounts or fairly new? Inquiries?
I have both those accounts opened one year ago. I did start with US Bank secured card last year and they graduated me to non secured recently. (I am in the rebuilding phase over the past year)
Other than that, I didnt apply for any credit/loan in the last 12 months.
I just checked my TU and EQ credit reports, and it says my average accounts age is 5 years.
I did chat with a BOA credit card representative online and she suggested that I could apply for BOA Visa card, and if it didnt approve, I can open up a secured card. She said one hard pull to check and see which card I would qualify for.
I told her I will think about it for a bit and decide.
Any suggestions?
It sounds good, I think you have a reasonable shot at getting approved. However if not, you will surely qualify for the secured card and it is a good one. Hope it works out and good luck.
Thanks for the suggestions friends.
I did apply and was told that my application was approved. so, that is great news.
However, I am kind of disappointed that he mentioned that the credit limit is going to be $500. I was hoping that it would be atleast $1000.
But, I guess I cant complain as they didnt deny me 
Do you think it is a good idea for me to call the backdoor numbers and see if they can start me off with a better limit?