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Regular Contributor
sbeasl11
Posts: 122
Registered: ‎07-23-2012
0

Will I qualify for USAA secured?

I know they pull EQ. My FICO is 632.

AAofA is 5 years

Utilization is around 10%

 

The Negatives:

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

 

The Good:

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!

Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Will I qualify for USAA secured?

AFAIK Secured CCs aren't an option for partial members. Id call their cs to be sure of thatfirst.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Regular Contributor
sbeasl11
Posts: 122
Registered: ‎07-23-2012
0

Re: Will I qualify for USAA secured?

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?

Contributor
DVH1980
Posts: 246
Registered: ‎08-24-2011
0

Re: Will I qualify for USAA secured?

They countered with a secured card when I was denied a USAA amex. I had a similar score to yours but no recent derogatory.
My wallet:
***Amex BCE 3k***USAA Platinum Visa 12k***Barclays Apple 7500k***Veridian CU 10k***Discover It 10k***Bank of America 8k***Amex Zync***USAA Patinum MC 12k***Navy Federal 20k
Established Contributor
Jlu
Posts: 582
Registered: ‎06-12-2012
0

Re: Will I qualify for USAA secured?

Wait so you have 5 major derogs, 1 judgement, multiple lates and you have a 632 EQ FICO? Wow I hate FICO sometimes..

Wallet: JP Morgan Select $10k | CSP $10k | Citi TY Premier $7k | AMEX SPG $5k | AMEX PRG NPSL | Barclaycard $5k | Discover IT $10k | Chase Freedom $3k | CapOne Quicksilver $3k | BofA Cash Rewards $8k | Walmart Card $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & now I'm over 750! The membership has more than paid for itself!

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