08-19-2012 10:01 AM
hi I have been repairing my credit for 2+ years. I got approved for capitol one card for 500.00 about 3 months ago. my second statment was payed yesterday. im waiting for the card to show up on my reports. when it does it will show 1-2% util. its the only card i have. also on my reports are 4 student loans and TU has 1 delq. student loan from 9/2006. my question is whats the next card i should apply for? or a list to spree would be better. im waiting till the card show on reports than im ordering fico scores on hereto see where i really stand and i thought it would be a higher score because it finally will show revolving credit. every app i filled out last year said no revolving accts. now that is showing should i be ok to start applying thanks for reading
08-19-2012 10:05 AM
you have some pretty good scores with the exception of your TU. I would apply for a Chase Freedom card or Discover More or even AMEX Zinc. I have read many people have had much success getting that card. I could be wrong, do you have access to NFCU?
08-19-2012 10:07 AM
Without more info I would say try for some GECRB cards like Walmart or Chevron. The give great CLI with no-slight usage. Just don't carry a balance except for the walmart 0%.
08-19-2012 10:08 AM - edited 08-19-2012 10:11 AM
I'd say get a GE-backed store card at a place you shop (Amazon, American Eagle, Walmart, JC Penney etc) - you can grow your CL with them unlike your Capital One card. Stay away from First Premier, Matrix, First Centennial, Applied Bank and the like. PS What is up with your TU report?
I would try to GW whatever is causing your TU report to dip 100 points - that is the only thing holding me back from telling you to get a Chase Freedom or AMEX Zync.
08-19-2012 10:13 AM - edited 08-19-2012 10:17 AM
not able to join nfcu. my dd214 says uncharictorized discharge form 2003. not tryng to get anymore inq with out approval bc i have 7 on TU 7 on EX and 3 on ex. just got denied for old navy GECRB last month bc no revolving accts
more info showing on report
FAKO'S TU 597 pulled by CK EX 683 pulled by CS EQ 653 pulled by FRSC
just used usaa 8/17/2012 TU 563 EQ 9002 EX 9002
inquiries TU=7 EQ=3 EX=7
average age of credit lines 2y 9m on TU
student loan 3400.00 paid as agreed no lates
student loan 6200.00 paid as agreed no lates
student loan 2700.00 paid as agreed no lates
student loan 3800.00 paid as agreed no lates
student loan 3200.00 charged off date of first del. sept. 2006 falls off 10/2013
I was just approved for capitol one unsecured card 500cl it hasn't shown up on any report yet. cap one live support said yesterday that they inform cra's 30 days after they generate 1st bill. would be 8/21
08-19-2012 10:19 AM
Wait for Cap1 to report and then try again. You really can't go apply for Barclaycard, Freedom, Zync at this point because they like to pull TU which they would see as 'uhh, no'. Plus they like to see a year of revolving history - especially Barclaycard which is the easiest to get (in order: Barclaycard --> Freedom --> Zync). My only other advice would be to throw some cash at a BoA Secured card that you can PC to BoA Secured w/ 1-2-3 Cash Rewards.
08-19-2012 10:25 AM
Some bad advice given here. Obviously tu score is crap so stay away from tu pullers. You need to more cards and that should be sufficient to help you rebuild. I would try Amex zync. Maybe alliant fcu as I think they are experian only puller.
08-19-2012 10:28 AM - edited 08-19-2012 10:29 AM
^CorporalAv is the only one telling him to apply for something that he would not be approved for. I believe you telling him to apply for a Zync with 2 months of revolving history, 7 EX inq and a thin file is bad advice.
08-19-2012 10:31 AM
Maybe. He has the installment loans and decent aaoa. Revolving is thin but score is within range. If he gets rejected from zync it will be because of lack of revolving which means he should app until 6+ months. By then any inquiry from failed app won't mean that much.
08-19-2012 10:42 AM
i dont belong to anything on there how to join page for alliant fcu. also im guessing that my actual fico scores are lower than the fakos i have now. I guess i will just wait till cap one shows and than order my real ficos to see exactly where I am at
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.