What credit card could I get

[wannabehealthy]

I have 3 Derogatory totaling $1313 on both transunion and exp.. I have 0 Derogs on Equifax. This is after getting alot of baddies off my report. I currently have a secured card with cap 1 $350 limit.

Old Scores 4/7/12:

Trans: 572

Exp:    572

Equ:    565

Current Scores 1/20/13

Trans: 632

Exp:    630

Equ:    618

Fico in Dec. said 730?

Thank you.  I have sent letters for PDF's so I'm hoping to get those taken care of to better my report. 

[guiness56]

Where did you get your scores?  EX hasn't sold their score to the consumer since Feb 2009.

It isn't so much your score, which if 730 is the real FICO, is a good score, it is the collections that may stop you.

I can't tell you who only pulls EQ.

How old is the Cap 1? 

You might want to see if some of the CCC offer pre-approvals before applying.  If they don't, don't apply.

[wannabehealthy]

I got my scores from:

Truecredit.com (privacy matters) / score.com 10/12 , 12/12, 1/13

efreescore.com 8/12

creditreport.com 4/12

The Capital 1 is almost a year, I got it right when I started cleaning up my report.

I think checking for the preapproval is a great idea!  I may wait a month and see if I can get one of these collections to pfd. Crossing fingers. (:

[wannabehealthy]

Also..

One should fall off 9/13

the others not till 2016 ):

[guiness56]

None of those are FICO scores.  You can get your TU and EQ from this site. 

Where was the FICO from?

[wannabehealthy]

from my fico