No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
My scores are moving at a slower pace than my initial jumps but they are still trending up. Right now I have TU 672, EQ 635 and EX (FAKO either 651 or 712). Im trying to GW my lates and Verizon CO but having little success. SO assuming that Im unsuccessful in my GW attempts, how should I proceed in my rebuild? (In particular Im worried about applying for new credit cards).
My last late was 30 days in March. I have a 90 day late in SM July 2011 and a 30 day late Dec 2010. The Verizon CO is from summer 2009. Here is my mess that is cap1 Auto.
How long can I expect these derogs to keep me from getting good credit cards? March next year (which would be 1 year from last late), 2 years? 3? What can I do to minimize the impact of the lates I currently have other than paying on time? Open new accounts? (IF so which ones should I aim for?)
Thanks,
Duncan
I'd beg them to delete the account and eat any lost history/AoAA. Not being harsh but it'll take you a long, long time to bounce back from that rough patch.
Its a mess of mine and CSR's at Cap1 doing. Im trying as best I can but getting little progress. My scores will probably be in 700's but I'll have this one horrible account. I dont know what to do? I dont want crappy cards for multiple years.
So any suggestions???
@drkaje wrote:I'd beg them to delete the account and eat any lost history/AoAA. Not being harsh but it'll take you a long, long time to bounce back from that rough patch.
This right here. thats alot of lates and i know you maybe had some hard times we all have but those lates are going to keep you away from good cards for awhile. It would take a miracle from cap one to gw those lates. have you thought about asking for the whole TL to be removed?
Start asking for goodwill the minute they're paid off.
Try digging through the threads here to see if anyone's had success that way.
Pretty sure I've read about credit card goodwill/deletions from Cap1. Don't recall PFDs, though.
Re-read to make sure. I've read here Cap1 auto can be a bear.