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Have you tried the prequalify link with CAP1 for a Platinum or QS1 card?
@Anonymous wrote:
I have started building over a year ago and here is what I have so far:
1250-comenity(ny&c), offered two CLI within a year(initial was 250)
500-comenity(express), offered CLI after 6 months(initial was 250)
925-cap one secured(is there anyway to make this 'unsecured', now that I have had it well over a year??
500-credit one, not CLI so far, 7months old
300-kohls, 6 months, no CLI either
Also have a 16k auto loan with GM financial
All payments on all accts have been on time
My scores have gone from 400's to 613 for TU and 599 for EQ. Obviously I want more.
But I need advice on how to 'unlock' my cap one,or get another unsecured that will actually approve me. So far I have had no luck, even with the shady cards. Any help is appreciated.
Hi Kbreezy,
Capital One Secured will NOT unsecured. Have you tried their pre-qualify site to see what unsecured cards are available for you?
If you get approved for unsecured Cap One card(s), you can close secured card (I'll let others comment on this) and I would close CreditOne before your next annual fee is due (They suck!)
Good luck with your rebuilding, time is your friend
Cheers!
CAMailman
You listed all the great accomplishments but failed to provide what is keeping your credit score low (these pieces of info will help others assist you with your request )
My advice. Apply for a Cap 1 QS One. If you have maintained a great payment history for a year, Cap 1 is very good at giving people a chance. If you have a lot of hard pulls, it won't hurt to try at this point.
The only way you'll ever really get out of sub-prime territory is by addressing the medical collections. There are many posts on this site that may be beneficial to you for getting these removed
Good luck to you!
Second note. My credit sucked last year: mid 500 scores. I started with a Cap1 secured and they continued to only pre-qual me for another secured. One year later and I have to lines of credit exceeding $20K. I applied for their unsecured cards even after I was only pre-qualified for secured in the early rebuilding stage and was approved.