topic Re: What are some CC's to help me rebuild my credit? in Credit Cards

What are some CC's to help me rebuild my credit?

RebelSon — Sun, 10 Apr 2011 05:18:19 GMT

I have a current EQ score of 526 with 1 postive TL and 5 negative TL. I use 20% every month and I PIF.

Everybody says I need at least 2 accounts to increase score. I don't want app because of my low score.

I only have 13 inquiries in the last 2 years.

Re: What are some CC's to help me rebuild my credit?

laz98 — Sun, 10 Apr 2011 06:09:09 GMT

you have 13 inquiries just on eq? do any of them fall off soon?

Re: What are some CC's to help me rebuild my credit?

Anonymous — Sun, 10 Apr 2011 10:03:57 GMT

Credit One Visa (www.creditone.com) is a guaranteed approval, but the fees are so ridiculous!

Re: What are some CC's to help me rebuild my credit?

konabill — Sun, 10 Apr 2011 10:56:00 GMT

@RebelSon wrote:
I have a current EQ score of 526 with 1 postive TL and 5 negative TL. I use 20% every month and I PIF.
Everybody says I need at least 2 accounts to increase score. I don't want app because of my low score.

I only have 13 inquiries in the last 2 years.

I would work on the 5 negative tradelines first.

Re: What are some CC's to help me rebuild my credit?

Anonymous — Sun, 10 Apr 2011 14:55:22 GMT

@RebelSon wrote:
I have a current EQ score of 526 with 1 postive TL and 5 negative TL. I use 20% every month and I PIF.
Everybody says I need at least 2 accounts to increase score. I don't want app because of my low score.

I only have 13 inquiries in the last 2 years.

A second account will only help a little. You may want to wait until you have fewer inquiries and more age on your negative accounts.

I would suggest a secured card. I would start with Orchard or Capital One.

Re: What are some CC's to help me rebuild my credit?

RebelSon — Sun, 10 Apr 2011 15:55:20 GMT

9 out of the 13 inquiries were actually unauthorized. I spoke with the original puller and all 9 will be removed from EQ within 45 days.

I think my score should go up.