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Rebuild FAST using Visa BLACK CARD - seriously

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Kennie02
Frequent Contributor

Re: Rebuild FAST using Visa BLACK CARD - seriously

What amazing results! Congrats on your success! 

NFCU cash $25k | BofA Custom Cash $25k | Amex BCP $18k| Costco Anywhere $14.5k | Apple Card $5.25k | Cap One QS $4.5k | Sephora Visa $4k | Discover It $3.5k | Citi DC $3.5k | Citi AA Mile Up $3.1k | Chase Amazon $3k | Amex ED $3k | Chase IHG $3k | Chase Freedom Unlimited $2.5k | Chase Freedom $2.5k | Citi Rewards $2k | Last HP 8/16/22
Starting score 09/2013: 530 Current FICO 8:
Credit Age:
New Accounts:
Inq (6/12/24M):
Message 11 of 12
slund5499
Established Contributor

Re: Rebuild FAST using Visa BLACK CARD - seriously

Congradulations on the uptick to your scores and your credit limit advancement. Great bold move.

 

This is something I would even try. My scores are 589 to 620. I have  barclay NFL rewards ($1K), WF secured ($300), US Bank Secured ($300). I am AU on both of my wife's Cap QSVR ($500 and $2K). AAofA is just over 2 years. Since rebuilding my credit, I have 2 uppaid state tax liens removed from EQ and EX. Still showing on TU.

 

Only other baddy I have is a FP c/o. Can't seem to get is deleted. CRA are stalling; while FP will not do PFD or GW to remove the c/o.

 

I have 14 inquiries over last 2 years with 8 of those dropping in July and August of 2015.

 

What is best way to approach, apply and obtain the Black VISA Card?

 

Make over $65K and current utilization is 36%.

 

Any information you can offer would be helpful.

 

Been denied for CAP One secured, quicksilver in my own name. Denied AMEX everyday. Denied BofA secured.Can't seem to get any depatment store (Sears, JC Penny, Walmart).

 

Basically have a thin file due to older tradelines falling off.

 

Thanks,

 

 

 

 

 

 

 

 

 

In the garden since 02/1/23. Newest Account AU Discover It 10K
02/23 Scores; EQ 608 TU 642 EX 575 CCU: 20%, Inq. 2, 1, 2 Collections $39K
Lending Club: newest account 2/3/23. Old Fico 1/17 EQ 530 TU 542 EX 512

Message 12 of 12
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