@shiner1 wrote:I got a secured credit card with a 400 limit and 2 weeks ago put another 400, making it a 800 limit. Ive stayed perfect on all my payments, the medical bills are pretty old. Most recent being almost 4 yrs ago. Also did optoutprescreen.com because the home loan lady said it bumps your score a few points. I'm thinking the shopping cart trick is the next step. I started with a 540 and last time I checked TU it was 624. Since I checked that ive paid 3 more bills that were on there and had them removed. Just hitting a dead end.....
It sounds like you are on the right track already with the secured card and getting medical collections removed. Keep it up, but do be careful when wanting to apply...when you read here on the credit card forum all the success people are having in getting new cards, you get the urge to apply yourself and that is not always the best thing to do. Somtimes just waiting 6 months before doing anything is all you need. Let your secured card age a bit more and keep working on any remaining debt or collections on your reports.
You mentioned getting denied for credit...how recent were these denials and what were they for? What was the reason they gave you? How many denials. If they were recent I would wait, but YMMV kind of thing...but once you start getting denials, it's time to stop applying and wait...that has been my experience anyways.
