credit

[laryn41]

I have a 630 Credit score and I need to get a credit card to pay off a deliquincy.  Problem is I have had to many inquiries to get a approved for a good card, what should i do?

[fused]

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laryn41 wrote:

I have a 630 Credit score and I need to get a credit card to pay off a deliquincy.  Problem is I have had to many inquiries to get a approved for a good card, what should i do?

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What do you need to pay off?

[laryn41]

a deliquincy from years ago

[laryn41]

cingular from my x.

[fused]

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laryn41 wrote:

cingular from my x.

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Can you give details? Is Cingular or a CA reporting this collection account? How much is it? Was this a joint account?

[laryn41]

$1800, it is a collection now.  it wasn't a joint.  two numbers under my name.  I mean it is from years ago, andI know that it is my respnsabiltiy.  They started sending me new statements.  I have like $600.00 in bills.  3 Credit cards...with very low limits.  totally under control.  want to pay this off to get a better score.  but to many inquiries... 

[laryn41]

keep in mind I haven't had the best of credit in the past.  like charge off from years ago... got better as the years went on.

[fused]

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laryn41 wrote:

$1800, it is a collection now.  it wasn't a joint.  two numbers under my name.  I mean it is from years ago, andI know that it is my respnsabiltiy.  They started sending me new statements.  I have like $600.00 in bills.  3 Credit cards...with very low limits.  totally under control.  want to pay this off to get a better score.  but to many inquiries... 

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How much money do you have on hand that can be used to pay this debt?

[laryn41]

I just paid $200.00.  but other than that nothing. 

[fused]

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laryn41 wrote:

I just paid $200.00.  but other than that nothing. 

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You do not have enough money to offer the CA a PFD (pay for delete). Paying down or PIF (paying in full) a collection will not improve your scores. I recommend you apply for a CC if the CA agrees to a PFD. Do you know your FICO scores? And which state are you in? I will try and find a CC that will likely approve you based on your location. Here's the PFD link.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2659