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!
AFAIK Secured CCs aren't an option for partial members. Id call their cs to be sure of thatfirst.
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?
Wait so you have 5 major derogs, 1 judgement, multiple lates and you have a 632 EQ FICO? Wow I hate FICO sometimes..