11-28-2012 09:54 PM
im not able to do a secured card right now cash is tight thanks
sorry to hear. things will get better.
where area you getting the 615 score?
Unfortunately only store cards or some gas stations cards will take on a person with a low limit. with a 615 ime. but you can try whogavemecredit to see if maybe someone else had better luck.
i wish the best for you.
|Current: Discover Fico 701 10/14 Walmart Fico 689 9/14|
Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
11-28-2012 09:58 PM
i would try a secured cc.
if you have the cash to put down 1k + it would be really benificial later on.
if i knew about secured cards a few years ago i would have just done that instead of taking on litterally dozens of inquries and being denied for lack of revolving accounts.
then again i didnt know the difference between a chase sapphire and a cap one plat or an amex at that point.
I would agree with this. Even if you can start with $500 ($1000 is better)secure credit card , it will help you a lot once it gets unsecured in the future!
11-28-2012 11:34 PM
Do you have any open tradelines reporting right now that are possitive?
11-28-2012 11:45 PM
your best bet is to start off with a couple secured cards and take care of those 2 baddies in the mean time. in a year from now you will be in a much better situation
11-29-2012 07:40 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO