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Regular Contributor
Posts: 208
Registered: ‎08-16-2012
0

Re: rebuilding credit what card next

[ Edited ]

Just pulled my scores from usaa this morning and the capitol one account just showed up.  The fako scores were 726 ex 717 eq and 563 tu I know there fako's  but wow.

I tried to pull the ficos from here and it said the servers were too busy to try again later.  Now what do I do?   This is actually turning out to be fun after removing all but one  baddie. Maybe apply for some cards that don't check TU any suggestions.  If I can t find any into the garden I go.  Thanks to everyone in this forum that helps provide info to people like me that had issues in the past and put me back onto the right track.


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: rebuilding credit what card next


ninjamike81 wrote:

Just pulled my scores from usaa this morning and the capitol one account just showed up.  The fako scores were 726 ex 717 eq and 563 tu I know there fako's  but wow.

I tried to pull the ficos from here and it said the servers were too busy to try again later.  Now what do I do?   This is actually turning out to be fun after removing all but one  baddie. Maybe apply for some cards that don't check TU any suggestions.  If I can t find any into the garden I go.  Thanks to everyone in this forum that helps provide info to people like me that had issues in the past and put me back onto the right track.


Don't get too excited by scores.  Instead of rejection because of no revolving history.  With a lot of cards, you will get rejection for little revolving credit history.  You need to wait at least 6months of it reporting before you app for any decent cards.  Also stay away from ex pullers.

 

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Regular Contributor
Posts: 208
Registered: ‎08-16-2012
0

Re: rebuilding credit what card next

ok thats good to know.


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Established Contributor
Posts: 932
Registered: ‎06-12-2012
0

Re: rebuilding credit what card next

That means no American Express products.

JP Morgan Select $10k | Citi TY Premier $15k | PenFed PlatRewards $22k | BofA AMEX $15k | Chase Freedom $20k | Discover IT $10k | Barclay Arrival+ 25k | AMEX SPG $10k | NASA Platinum-Advantage $10k | CapOne Quicksilver $5k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Regular Contributor
Posts: 208
Registered: ‎08-16-2012
0

Re: rebuilding credit what card next

OK no amex.  Preferably looking for a no annual fee card.  And lower interest than 24.99% that's what's on my capitol one card + $39 a year i want to sd that one


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: rebuilding credit what card next

With that af, it should probably be cancelled once it does it job of getting you better cards.  Remember to have util report perfectly the month before you are going to apply so fico score is highest.

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Regular Contributor
Posts: 208
Registered: ‎08-16-2012
0

Re: rebuilding credit what card next

[ Edited ]

Yea the af doesn't hit till next summer.  I was planning to call them and ask for a reduction to 19 like there other cards  or eliminate it all together.  If they wont budge I will possibly close it provided I have a better card by than.  Just dont want to make to many moves on my reports to undo all the hard work I have put in to it.


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: rebuilding credit what card next

Btw what's on your tu that isn't on the others?  Also, might want to buy eq fico score here to give an idea how far off fakos are and clearer picture on your current situation.  Check your pm btw.

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Regular Contributor
Posts: 208
Registered: ‎08-16-2012
0

Re: rebuilding credit what card next

[ Edited ]

The only thing reporting on TU is a charge off  for Lincoln tech from 2006 but they make sure to post 120+ every month.  Waiting till oct 1st to call them and get them to settle b/c the sol for them to sue is up sept 9th.  Was told that waiting till sol is up gives me the most leverage  to get it done thanks to people in this forum and the info provided.

I tried to order my true fico's from here but the message says the server is too busy for me to  try later or tomorrow


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Regular Contributor
Posts: 208
Registered: ‎08-16-2012
0

Re: rebuilding credit what card next

[ Edited ]

Approval for walmart.  300cl  wasn't sure they would approved me but they did.  Should I spree today for other cards through GE before they start hitting my CR.

Thanks mike

 

just tryed for old navy again and got a message 4-5 days on email or 7-10 mail response smh


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
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