Newbie introduction and general questions

[Anonymous]

Hello,

My name is Mandi and I am new to this forum. I found it through various searches regarding re-building credit. After seeing several worthwhile posts I thought I would go ahead and join to community and seek advice.

Thank you to everyone here in advance for accepting me into your community.

Last I checked (over a year ago) my FICO was 584 - I havent touched it since so it should be the same or slightly better. My income is roughly $60-$70k per year. My goal here is to qualify for a home loan.

I have a plan to go about re-establishing my credit:

1. Finding my current score(s) and getting copies of my report(s).

• I know I am eligible to receive a free copy of my report based on a credit decline.
• I am thinking of applying for a Discover card in hopes of a decline and an offer for their Discover It secured card.
• Is there a better way to get my report(s) and get started?

Based on my results I will be:

2. Applying for unsecured credit cards.

• I have heard Von Maur department store and Firestone Tires offer unsecured cards to folks within the 580 FICO range.
• Is this correct? Or a waste of time?
• Are there other unsecured cards anyone can think of I may be eligible for?

3. Applying for secured credit cards.

• I like the following secured cards: DCU, US Bank, Discover It
• Pros/cons?
• Any other secured cards I should consider?

Also, I know my report shows at least one duplicate unsatifactory account. I think its from a 10+ year old BofA or Capital One card. Is this duplicate effecting my score? If so, is there an easy way to have this removed?

Thank you all so much!!

Mandi

[myjourney]

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@Anonymous wrote:

Hello,

My name is Mandi and I am new to this forum. I found it through various searches regarding re-building credit. After seeing several worthwhile posts I thought I would go ahead and join to community and seek advice.

Thank you to everyone here in advance for accepting me into your community.

Last I checked (over a year ago) my FICO was 584 - I havent touched it since so it should be the same or slightly better. My income is roughly $60-$70k per year. My goal here is to qualify for a home loan.

I have a plan to go about re-establishing my credit:

1. Finding my current score(s) and getting copies of my report(s).

• I know I am eligible to receive a free copy of my report based on a credit decline.
• I am thinking of applying for a Discover card in hopes of a decline and an offer for their Discover It secured card.
• Is there a better way to get my report(s) and get started?

Based on my results I will be:

2. Applying for unsecured credit cards.

• I have heard Von Maur department store and Firestone Tires offer unsecured cards to folks within the 580 FICO range.
• Is this correct? Or a waste of time?
• Are there other unsecured cards anyone can think of I may be eligible for?

3. Applying for secured credit cards.

• I like the following secured cards: DCU, US Bank, Discover It
• Pros/cons?
• Any other secured cards I should consider?

Also, I know my report shows at least one duplicate unsatifactory account. I think its from a 10+ year old BofA or Capital One card. Is this duplicate effecting my score? If so, is there an easy way to have this removed?

Thank you all so much!!

Mandi

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Welcome welcome welcome 
Love it when someone reads and comes here with a plan 

Wooo Hooo 

Don't wish for a decline for a free CR 

Start here for your free 3 yearly's 

https://www.annualcreditreport.com/requestReport/landingPage.action;jsessionid=Al2dDkt2F3pukpvZA6pfe2oLH_2Wah9234CBGIf4

Now tell us more about whats on your CR's which have scores low before we can make any card recommendations 

Car, Mortgage, SL, loans?

Baddies?