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Myfico score is 607. I am waiting for a correction on 180 late student loan to go through. It should be done within a couple of weeks and I will then apply for unsecured revolving credit. I really do not want to go with a subprime card. Any suggestions? Once this is through all of my debt is less than 4000. I have a secured 500 from a major bank that I use less than 5 percent. I'm hoping my FICO goes up drastically, but hope is all I can wish for.
Do you have a bank that you use for your regular banking? Or a credit union? Often banks are more lenient with you, if you go in, if they have an established relationship with you.
Actually, that is who I have my secured card through, however they said I can not apply for 2 yrs, based on my old score and the history of the 180 day student loan. However, opening it up and having my balance at less than 5 percent jumped my FICO 50 pts
I did tell her that the 180 is being expunged, she said I have to wait for a stronger history based on what my previous application was.