09-07-2012 06:54 PM
I know they pull EQ. My FICO is 632.
AAofA is 5 years
Utilization is around 10%
Paid judgment 2010
Paid collection 2010 (see above)
unpaid collection (about to send a DV)
Multiple 30 day lates on auto loan PAID/closed 2009
1 Cap1 charge off & 2 HSBC charge offs-all paid
Belk card- $400 CL opened 6/12
BofA secured card $500 CL opened 8/12
time share NEVER late -9 years old
I have read that I need 2-3 CC to rebuild. Don't want Cap1, obviously.
Was denied Wal-mart prior to getting my secured BofA
I think I am a partial member with USAA. Have the credit monitoring & just opened a small checking & savings with them.
Where should I go from here? Any card suggestions? Thanks in advance!
09-07-2012 07:37 PM
AFAIK Secured CCs aren't an option for partial members. Id call their cs to be sure of thatfirst.
09-07-2012 07:46 PM
I'm going to get the insurance first & become a full member before I apply.
If I apply for the regular card, they may counter with the secured, right?
Any other store or CC recommendations?
09-07-2012 07:51 PM
09-08-2012 07:00 AM
Wait so you have 5 major derogs, 1 judgement, multiple lates and you have a 632 EQ FICO? Wow I hate FICO sometimes..