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New to credit at 28

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EAJuggalo
Established Contributor

Re: New to credit at 28

Credit Karma or CK scores are what are known around here as FAKOs, they are based on a completely different algorithm than the FICO scores that most people post here.  Some people have reported differences of up to 100 points between the scores on CK and their FICOs.  Next step, check for any prequalify offers at Capital One, when you put in your information if it says "Congratulations" then you're prequalled for whatever is listed.  If nothing comes up then app for the secured card there.  Many people have gotten approved for a Cap One unsecured card when they wouldn't get approved by any other non-predatory lender.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
Message 11 of 13
Anonymous
Not applicable

Re: New to credit at 28

thanks so much Smiley Happy

Message 12 of 13
Anonymous
Not applicable

Re: New to credit at 28

For the medical collections google the HIPAA Letter Process and follow it exactly as laid out.  If you have any problems finding the website or have questions PM me.

Message 13 of 13
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