ADVICE ... NEED TO GET OUT OF SUB PRIME HELL

Cognac · ‎08-23-2007

Profile

Current Card Limits ... All in good standing

APPLIED CARD BANK: $1K/450 Balance
HH BANK: $1150/600 Balance
FIRST PREMIER BANK: $650/250 Balance
VS: $600/0 Balance
FICO 681

I have 30 Day Late from Honda as early as 6/06 (TU,EXP,EQU all reported) however the entire account is paid off.

I have 30 Day Late from Express 2/02 (closed) and VS(EXP only) as early as 2/02

I have one inquiry this year.

I have two accounts that I am hoping will drop off soon but dont know when:

CITI

Date First Delinquency:
Exquifax: No Info
Experian: 6/2001
TU: 6/01

Date First Reported
Equifax: 12/01
Experian: 7/01
TU: Says (Date Last Paid) 9/01

DISCOVER
Only TransUnion Has This Listed

Date First Delinquency
TU: 6/1/01

Date Closed
TU: 7/1/01

Date Updated
TU: 5/1/03

I would like to get cards with higher limits, however I dont want to ding my precious score. I would also like to get out of sub prime hell.

Please.. ANYONE help!

Anonymous · ‎08-23-2007

Your first logical step is to get your utilization on those cards below 10%. Do that, and then ask them for CLIs.

Cognac · ‎08-23-2007

If they give me a CLI they do a HARD pull and charge me: $200 for it. EACH card listed.

MidnightVoice · ‎08-23-2007

Frankly, if you get your util down to about 1% you should be able to get a score approaching or above 700 on at least one CRA. That should get you a new prime(r) card of some sort - choose the one that pulls your highest score

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

Anonymous · ‎08-23-2007

@Cognac wrote:

If they give me a CLI they do a HARD pull and charge me: $200 for it. EACH card listed.

Who is "they?"

Cognac · ‎08-23-2007

They: each sub prime card that I have. They each have a fee involved (200) for a CLI, and also do a hard full.

Anonymous · ‎08-23-2007

You will not be charged $200 with FP.....it's $25 I believe and I doubt your HH card is $200 as well.

With your scores why not apply for a CCCU card or a Hooter's card or an AMEX Delta or Blue?

Anonymous · ‎08-23-2007

Cognac wrote:
Profile

Current Card Limits ... All in good standing

APPLIED CARD BANK: $1K/450 Balance
HH BANK: $1150/600 Balance
FIRST PREMIER BANK: $650/250 Balance
VS: $600/0 Balance
FICO 681

I have 30 Day Late from Honda as early as 6/06 (TU,EXP,EQU all reported) however the entire account is paid off.
I have 30 Day Late from Express 2/02 (closed) and VS(EXP only) as early as 2/02
I have one inquiry this year.

I have two accounts that I am hoping will drop off soon but dont know when:

CITI

Date First Delinquency:
Exquifax: No Info
Experian: 6/2001
TU: 6/01

Date First Reported
Equifax: 12/01
Experian: 7/01
TU: Says (Date Last Paid) 9/01

DISCOVER
Only TransUnion Has This Listed

Date First Delinquency
TU: 6/1/01

Date Closed
TU: 7/1/01

Date Updated
TU: 5/1/03

I would like to get cards with higher limits, however I dont want to ding my precious score. I would also like to get out of sub prime hell.

Please.. ANYONE help!

HSBC is not bad either...they might offer transfer 0% int.

Anonymous · ‎08-23-2007

Too many sub prime cards by HSBC though....Wamu is another one the OP should qualify for.

Anonymous · ‎08-23-2007

I just got 2 from HSBC...I used it for int.000 transfer till aug 08...will be paid off by then