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Hi
I am trying my best to rebuild my credit, I need to know if any one have any suggestions in regards to how many secure cards/ credit lines need to be open. I have cleared most collections
3/1/15 EQ-535/TU-518/EX-488
Fingerhut Freshstart $230/ Montgomery Ward $125/Crown Jewelers $2500/Merrick Bank Secured $200 (open 2/2015)/First Progess Secured $300(open 3/2015)
@serenevoice wrote:
Hi
I am trying my best to rebuild my credit, I need to know if any one have any suggestions in regards to how many secure cards/ credit lines need to be open. I have cleared most collections
3/1/15 EQ-535/TU-518/EX-488
Fingerhut Freshstart $230/ Montgomery Ward $125/Crown Jewelers $2500/Merrick Bank Secured $200 (open 2/2015)/First Progess Secured $300(open 3/2015)
2 secured cards should be enough, and maybe a store card like target if you okay with low CL. i worked my way into a Chase Freedom and Sallie Mae from 2 secured cards.
thanks
You actually want 3 revolving bankcards and 1 store card, this is the minimum recommendation, they can be secured or unsecured cards. I might try for a Cap-1 unsecured if you have not had a CO with them in the last year. Good luck in your credit rebuild
I have 2 secured now, looking to get 1 more and a store card, but an not sure who will give me a card with my low scores. Any recommendations?
3/1/15 EQ-535/TU-518/EX-488
Fingerhut Freshstart $230/ Montgomery Ward $125/Crown Jewelers $2500/Merrick Bank Secured $200 (open 2/2015)/First Progess Secured $300(open 3/2015)
Capital One secured, BofA Secured (Grrr), SDFCU secured, DCU secured, NASAFCU secured, PenFedCU secured, NFCU (if you can get in) secured....
@serenevoice wrote:
Now I looking for a store card and one more secure card to rebuild my credit with, any recommendations?
There is no such thing as a secured store card, it is not necessary to obtain this card until you have some history on your secured bankcards as you will have to qualify for one. You want 3-6 months of reported history prior to apping for a store card or trying to use the Shopiing Cart Trick with Comenity cards.