(Had to alter this because I saw your second post where you say those judgments will fall off your credit reports next year).
The most important thing you need to do is to get your complete FICO credit reports from the three CRA's, and not rely on CreditWise and Credit Karma, which use Vantage Score, which is a different scoring model. VS is useful for learning purposes and things like apartment rental/leasing, but it's very much second fiddle to FICO. Your FICO scores will be different from your Vantage scores and might even be better depending on the CRA, which is why I advise you to get all three because the scores won't be identical and different lenders will use different CRA's.
One important thing you need to keep in mind is that the impact of negative items on your credit reports lessens over time. Those judgments are quite old by now, 6 years old if I interpret correctly, so those won't necessarily hurt you as much as you think they will. Also, I would strongly advise you to call BoA and Discover and talk to real, live people about your situation - indeed, if you have a BoA branch near you, I'd go down there and speak to someone in person. It's always better to talk directly to someone, particularly someone who has the authority to do something for you, than to rely on a computer algorithm or an online-chat rep.
@Anonymous wrote:
I was already approved for a Cap1 Secured. I have a $200 limit.
I am on BOA and Disco's crap list from almost 10 years ago. There are judgements that show on CreditKarma so I doubt they will approve me for a secured.
Any other suggestions? It doesn't seem like there are any other secured cards anyone likes and I"m not going to get approved for non-secured unless maybe a store card. My score on Credit Karma is only 633. I went down a few points after opening Cap1 but it should be going up again.
