I applied for the barclays card, in hopes to rebuild my credit, thinking that they would pull equifax, they pulled transunion. My score is 593.....I was not approved because I do not have any credit cards on my report.....I called them to pull the app and try and get them to reconsider, they asked a few questions, and basically said before they can approve me i will need another credit card to report....crazy!!!! I have a 1000 Line of credit reporting ...but to them, i guess that doesnt count. SECURED CC HERE I COME!!!!
Starting Score: 612 EQ 6-1-2013 
Go get that secured card, garden it and let it do it's work. At this time last year, I had $0 in revolving accounts. I have the letter in my desk where AMEX denied me for a Zync card. I finished cleaning my reports and got a small CL with a Walmart Card. I now have over $60K in revolving accounts CLs, all since Sept. of 12. Once I got that first card and let it garden a bit, they started sending me offers constantly. So clean and build, 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:Go get that secured card, garden it and let it do it's work. At this time last year, I had $0 in revolving accounts. I have the letter in my desk where AMEX denied me for a Zync card. I finished cleaning my reports and got a small CL with a Walmart Card. I now have over $60K in revolving accounts CLs, all since Sept. of 12. Once I got that first card and let it garden a bit, they started sending me offers constantly. So clean and build,
Sounds like thats what i will do!!!! thanks shogun! you are an inspiration to us all on the board! (P.S.) I think I will keep the letter as a point of reference for next year at this time
#365DaysToCreditLovelyness
@teamgray wrote:
@Shogun wrote:Go get that secured card, garden it and let it do it's work. At this time last year, I had $0 in revolving accounts. I have the letter in my desk where AMEX denied me for a Zync card. I finished cleaning my reports and got a small CL with a Walmart Card. I now have over $60K in revolving accounts CLs, all since Sept. of 12. Once I got that first card and let it garden a bit, they started sending me offers constantly. So clean and build,
Sounds like thats what i will do!!!! thanks shogun! you are an inspiration to us all on the board! (P.S.) I think I will keep the letter as a point of reference for next year at this time
#365DaysToCreditLovelyness
+1
Shogun hit the nail on the head
If you follow that information you will have CC history and lenders will open doors.
+1, Shogun nailed it. He was nice enough to buy me a new grill for fathers day. What a pal!!!
@myjourney wrote:
@teamgray wrote:
@Shogun wrote:Go get that secured card, garden it and let it do it's work. At this time last year, I had $0 in revolving accounts. I have the letter in my desk where AMEX denied me for a Zync card. I finished cleaning my reports and got a small CL with a Walmart Card. I now have over $60K in revolving accounts CLs, all since Sept. of 12. Once I got that first card and let it garden a bit, they started sending me offers constantly. So clean and build,
Sounds like thats what i will do!!!! thanks shogun! you are an inspiration to us all on the board! (P.S.) I think I will keep the letter as a point of reference for next year at this time
#365DaysToCreditLovelyness
+1
Shogun hit the nail on the head
If you follow that information you will have CC history and lenders will open doors.
should i get three (3) secured cards and a Jewely card to make my tradelines look nice? or just stick witf a 9k and a 1k secured card.... your thoughts
@teamgray wrote:
@myjourney wrote:
@teamgray wrote:
@Shogun wrote:Go get that secured card, garden it and let it do it's work. At this time last year, I had $0 in revolving accounts. I have the letter in my desk where AMEX denied me for a Zync card. I finished cleaning my reports and got a small CL with a Walmart Card. I now have over $60K in revolving accounts CLs, all since Sept. of 12. Once I got that first card and let it garden a bit, they started sending me offers constantly. So clean and build,
Sounds like thats what i will do!!!! thanks shogun! you are an inspiration to us all on the board! (P.S.) I think I will keep the letter as a point of reference for next year at this time
#365DaysToCreditLovelyness
+1
Shogun hit the nail on the head
If you follow that information you will have CC history and lenders will open doors.
should i get three (3) secured cards and a Jewely card to make my tradelines look nice? or just stick witf a 9k and a 1k secured card.... your thoughts
If you can get those 2 or just one it will build history just fine.
Also depending on who the cards are with it will show on CR's as revolving instead of secured which is a plus.
Payment history on a 9K lines will result in most cases higher limits when you apply for unsecured cards YMMV
The jewelry card is optional
@myjourney wrote:
@teamgray wrote:
@myjourney wrote:
@teamgray wrote:
@Shogun wrote:Go get that secured card, garden it and let it do it's work. At this time last year, I had $0 in revolving accounts. I have the letter in my desk where AMEX denied me for a Zync card. I finished cleaning my reports and got a small CL with a Walmart Card. I now have over $60K in revolving accounts CLs, all since Sept. of 12. Once I got that first card and let it garden a bit, they started sending me offers constantly. So clean and build,
Sounds like thats what i will do!!!! thanks shogun! you are an inspiration to us all on the board! (P.S.) I think I will keep the letter as a point of reference for next year at this time
#365DaysToCreditLovelyness
+1
Shogun hit the nail on the head
If you follow that information you will have CC history and lenders will open doors.
should i get three (3) secured cards and a Jewely card to make my tradelines look nice? or just stick witf a 9k and a 1k secured card.... your thoughts
If you can get those 2 or just one it will build history just fine.
Also depending on who the cards are with it will show on CR's as revolving instead of secured which is a plus.
Payment history on a 9K lines will result in most cases higher limits when you apply for unsecured cards YMMV
The jewelry card is optional
I would think if it shows three tradelines it would increase my credit score...but im not sure....do you recommend CC companies that i can contact so that it will show revolving instead of secured?