Credit Cards

[rootpooty]

when i first started out i had little hope. i had around 10 collections on each report and zero credit history. not even cap one nor bank of america wanted to give me a secured card. so i hit up first premier then the first month they reported i called boa on a recon and was successfull at that. then i found out great news about navy federal so i joined them too and added a secured card with them. now here we are almost 6 months later and equifax has ZERO baddies and transunion have ZERO baddies but experian just has 2. the urge to go after my first unsecured card wants to get to me.

[halos24]

First off Congrats on getting on track & road to great credit! What are your current scores? Depending on your scores you can begin to explore what options would be good even maybe a store card GE or something that gives CLI pretty frequently with no hard pull.

[rootpooty]

---

halos24 wrote:
First off Congrats on getting on track & road to great credit! What are your current scores? Depending on your scores you can begin to explore what options would be good even maybe a store card GE or something that gives CLI pretty frequently with no hard pull.

---

i wont know my scores until the 6 month mark. i would like a walmart card cause i shop alot there plus i could benefit from the tu score from them

[bichonmom]

---

rootpooty wrote:

when i first started out i had little hope. i had around 10 collections on each report and zero credit history. not even cap one nor bank of america wanted to give me a secured card. so i hit up first premier then the first month they reported i called boa on a recon and was successfull at that. then i found out great news about navy federal so i joined them too and added a secured card with them. now here we are almost 6 months later and equifax has ZERO baddies and transunion have ZERO baddies but experian just has 2. the urge to go after my first unsecured card wants to get to me.

---

It sounds like you've made great progress. It's great that you joined Navy, but you might also look at some local CUs. You still have a short credit history, so unless you want to go the way of Cap One no-CLI CC, I think your best bet is going to be a CU. I called several in my area until I found one that I felt would give me a chance and grow with me. They started me out at $500 in June, but CLI in Jan to $2500. That's way better than my 2 Cap Ones still sitting at $500 and $750 (one about to be axed).

[halos24]

I recently also opened Walmart card mainly for the scores and the CLI. Good luck and the store cards is how I started along with Orchard 2 years ago. Now I have Amex Zync, Amex TU, Citi Thank you and Barclays. Good luck and hang in there patience is the best advice!

[rootpooty]

well im not going to do anything until i get true fico scores. after that i might try walmart. i dont think i can get another card with short history. what about barclays or does citi have a starter card?

[LS2982]

---

halos24 wrote:
First off Congrats on getting on track & road to great credit! What are your current scores? Depending on your scores you can begin to explore what options would be good even maybe a store card GE or something that gives CLI pretty frequently with no hard pull.

---

+1 on going for GE.

[halos24]

I would say Citi no, unless you ate going for the student card IMO, I opened my Citi Thank you from a pre-approval I received. Barclays I did open from a denied with hardly no inquiries. I called the backdoor number for a recon, that card had grown with me also every 6 months.

[MsLadyRover]

---

rootpooty wrote:

when i first started out i had little hope. i had around 10 collections on each report and zero credit history. not even cap one nor bank of america wanted to give me a secured card. so i hit up first premier then the first month they reported i called boa on a recon and was successfull at that. then i found out great news about navy federal so i joined them too and added a secured card with them. now here we are almost 6 months later and equifax has ZERO baddies and transunion have ZERO baddies but experian just has 2. the urge to go after my first unsecured card wants to get to me.

---

Congrats on your road to credit recovery!  Great job!

[teenastie]

---

rootpooty wrote:

well im not going to do anything until i get true fico scores. after that i might try walmart. i dont think i can get another card with short history. what about barclays or does citi have a starter card?

---

I don't believe Wally World uses fico to determine risk, they have their own internal scoring algorithm. Also it seems the walmart card caters to less than perfect credit profiles so your thin file may not be an issue in their eyes.