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Regular Contributor
Posts: 160
Registered: ‎12-15-2013
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Got me a $1000 shared secured loan my local credit union!

Thinking about getting a second secured credit card to ticken my file and be done and wait 6 to 7 months to see where my score is.

Chase Slate Credit Card $1500 credit limit Best Buy Credit
Card $2000 credit limit Amazon Store Card $2100 credit limit .

My Fico scores: Experian 710, Equifax, 702, Transunion 716.
Moderator Emeritus
Posts: 11,282
Registered: ‎12-30-2011
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Re: Got me a $1000 shared secured loan my local credit union!


CJIII29 wrote:

Thinking about getting a second secured credit card to ticken my file and be done and wait 6 to 7 months to see where my score is.


I would if you only have the 1 card: cards 1+2 and installment loans 1+2 were straight positives for me when they reported when my file was thin (albeit with derogs).

 

Also will build payment history faster, though there's diminishing returns there admittedly.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Regular Contributor
Posts: 160
Registered: ‎12-15-2013
0

Re: Got me a $1000 shared secured loan my local credit union!

Ok, I trying to work my way to getting a truck for $8000 or $10,000 in 6 months.

Chase Slate Credit Card $1500 credit limit Best Buy Credit
Card $2000 credit limit Amazon Store Card $2100 credit limit .

My Fico scores: Experian 710, Equifax, 702, Transunion 716.
Valued Contributor
Posts: 1,651
Registered: ‎05-17-2013
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Re: Got me a $1000 shared secured loan my local credit union!

Try and see if the CU can use the same hard pull for a secured credit card. I know mine does basically i get one hp and its good for 30 days for almost any loan or credit card

TU08 Fico Score (700)-Goal Score-(750)
AMEX PRG NPSL,AMEX BCE $15,000, Lowes $12000, Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Discover it $6000, Capital One Quicksliver world mastercard $5500, Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500
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