I need a credit card!!!!!!!

[jordanhand]

HI,

I currently have a score of 603- Credit karma. I have 0 collections 0 credit cards. What is absolutely KILLING my score is.. 17 late payments through my current ally auto lease and a handful of lates through DTE energy. I know, terrible! I have since caught up both bills and for the last 3 months have been making on time payments and desperately searching for goodwill contacts.. However I know i need to get a credit card to really help my score. Unfortunately because of these late payments it is impossible for me to get any card ive been denied the capitol one secured, credit one secured, etc. I also had a collection with Chase that is no longer on my report but is still bad through chexsystems so I could not even get the sdfcu secured card Does anyone have any suggestions as to what I should do? I know to really help my score im going to need a credit card and maintain good payment history on it.

[DrJim]

The general rule of thumb is to repair and then rebuild.  Getting a revolving account is really part of your rebuilding process.  IMHO the best thing you can do now is GW the heck out of those lates, take care of any other baddies you have, and join a good CU.  Once you have repaired as much as possible and raised your scores you will be in a better position to apply for credit.

You can check out www.whogavemecredit.com to see who has been approved for CC's with similar scores.

Good luck!

[Anonymous]

I go with OpenSky CC with a $250 limit. No credit check, i have used it for a year, should be good. They report to all three bureaus.

Make online payments on time and know the day it reports; EQ is 3 days earlier than TU/EX from your statement closing date.

Maintain low balance.

Next best card is Merrick Bank with a $250 limit.

goodluck

[juniornj23]

Credit one bank premier bank