Established Contributor
Posts: 570
Registered: ‎02-12-2011
Re: YM's Journal to 700!

Capital One approved me for a $300 unsecured when I had an active charge-off with them from another Capital One unsecured, so it seems that is for sure a good starting point. If you can find yourself a nice offer from First Premier with a low AF and NO monthly then they will approve you too. My score was ~500 and they approved me for $800 unsecured, but be VERY careful with them and ONLY use the card to get a positive TL, do NOT carry a balance and if you lose your job or something pay the card to $0 and just leave it alone.

Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700

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