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There is hope.....

New Visitor

There is hope.....

I wasn't able to get approved for anything, not even a secured card but Fingerhut Fresh start program approved me for $180......

Just wanted to post this for the ones that may not be having any luck...

7 REPLIES
Contributor

Re: There is hope.....

I did the same thing..opened an account with Webank fresh start program.  After the initial pay off I believe they open it as a revolving account.  Capital One declined you for a secured card?


Starting Score: CK 519 FICO 498
Current Score: 2/26/13 FICO 590 TU FAKO 639
Goal Score: 650


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Frequent Contributor

Re: There is hope.....

I had the same thing -- I had a 170$ CL with the fresh start program. instead of paying off a purchase in 6 months, I paid it off in 3. And now I have a 1000$ CL with Webbank/Fingerhut.
It's not a prime account,heck its not even all quality items, but it started me off somewhere. And after that i was able to get more and more credit lines. (including $6K NFCU nRewards, $800 Ny&Co, $500 Victorias Secret)
.


There is hope! No one's credit is bad forever if they're down to put the work in! 

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Valued Member

Re: There is hope.....

Yes, even capital one has denied me (more than once)....


..............................................................................................................................
Credit score: 01/2016 TU 669
Fingerhut (2,200) | Express (2,650) | Cap1 Secured (200) | Credit1 (1,000) | | Quicksilver (600) | JCP (3,500) | VS (2,350) | Jared (3,000) | Walmart (4,000) | Bloomingdales (600) | Nordstrom (2,000) | Old Navy (4,000) | nRewards (5,000) | Barclay (1,500) |
Moderator Emeritus

Re: There is hope.....

We all have to start somewhere.  Congrats!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Valued Member

Re: There is hope.....


Shogun wrote:

We all have to start somewhere.  Congrats!


Very true.... Thank you!


..............................................................................................................................
Credit score: 01/2016 TU 669
Fingerhut (2,200) | Express (2,650) | Cap1 Secured (200) | Credit1 (1,000) | | Quicksilver (600) | JCP (3,500) | VS (2,350) | Jared (3,000) | Walmart (4,000) | Bloomingdales (600) | Nordstrom (2,000) | Old Navy (4,000) | nRewards (5,000) | Barclay (1,500) |
Valued Member

Re: There is hope.....


NewbieReed wrote:

I had the same thing -- I had a 170$ CL with the fresh start program. instead of paying off a purchase in 6 months, I paid it off in 3. And now I have a 1000$ CL with Webbank/Fingerhut.
It's not a prime account,heck its not even all quality items, but it started me off somewhere. And after that i was able to get more and more credit lines. (including $6K NFCU nRewards, $800 Ny&Co, $500 Victorias Secret)
.


There is hope! No one's credit is bad forever if they're down to put the work in! 


This gives me even more hope! LOL Thank you


..............................................................................................................................
Credit score: 01/2016 TU 669
Fingerhut (2,200) | Express (2,650) | Cap1 Secured (200) | Credit1 (1,000) | | Quicksilver (600) | JCP (3,500) | VS (2,350) | Jared (3,000) | Walmart (4,000) | Bloomingdales (600) | Nordstrom (2,000) | Old Navy (4,000) | nRewards (5,000) | Barclay (1,500) |
Frequent Contributor

Re: There is hope.....

Great- just keep plugging!

 

These boards have been my LIFESAVER. I mean, seriously, if this thing took donations, I would be all outta money. LOL.

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge