topic Re: How soon is too soon?!? in Credit Card Applications

How soon is too soon?!?

Anonymous — Mon, 10 Dec 2018 23:37:41 GMT

I wanted to start working on my credit again per CK I have 519 Exp and 541TU all this is due to divorce and let a lot of stuff fall by the wayside. I saw recently that two of the previous CapOne cards fell off my credit! Removed...

I had QS $1100
I had Plat $750
And Sec $500

All low of course as I was just building a name for myself before the demise of my marriage.

The accounts in 2015 and closed 2017 and two were removed between Nov/Dec aside from my rebuild which I will posting soon to get help with what should I do to restart the process? I know it will be secured cards but when... how... who??

How can I get back in the good graces of creditors!

Re: How soon is too soon?!?

Anonymous — Mon, 10 Dec 2018 23:40:43 GMT

I’d do Discover and Open Sky

Re: How soon is too soon?!?

Pikaboo-icu — Mon, 10 Dec 2018 23:51:20 GMT

CK doesn't provide Fico scores.

In order to best advise you the members need to know your actual Fico Scores.

You can get them for $1 at this link: https://www.creditchecktotal.com/homepage8

Just cancel the trial within 7 days to avoid being charged additional $$.

Re: How soon is too soon?!?

Anonymous — Tue, 11 Dec 2018 00:07:09 GMT

I used the link and I have

TU 611
EQ 566
EX 577

Re: How soon is too soon?!?

FinStar — Tue, 11 Dec 2018 00:11:06 GMT

Aside from Capital One, what other negative tradelines are on your CRs? Do you have any positive tradelines (open/closed)?

Re: How soon is too soon?!?

Anonymous — Tue, 11 Dec 2018 00:13:32 GMT

No.. this is my attempt to reverse it all I would like to be in position to purchase home.. so I am wanting to start now.

Re: How soon is too soon?!?

Pikaboo-icu — Tue, 11 Dec 2018 00:51:47 GMT

You could try some of the prequal sites and see what they offer, if anything.

It wont hurt your credit to check

Merrick Bank

Discover

Amex

I didn't include Cap One but you could still try them if you wish.

It can't hurt to at least check your options.

Re: How soon is too soon?!?

Anonymous — Tue, 11 Dec 2018 14:21:19 GMT

I did the pre-qualif for CapOne and was approved for the Secured card.. it’s a start.. I checked out the other sites but it was a no go.

Re: How soon is too soon?!?

pinkandgrey — Tue, 11 Dec 2018 14:37:25 GMT

You could also look into Total Visa. But I think either the Cap1 Platinum or a Discover Secured would be the best.

Re: How soon is too soon?!?

RonM21 — Tue, 11 Dec 2018 16:09:32 GMT

@Anonymous wrote:
I used the link and I have

TU 611
EQ 566
EX 577

Glad you got your Fico scores. You are actually in a bit better shape than the CK scores made you feel. That is a win right out of the gate.