topic Re: Which card should I apply for in Credit Cards

Which card should I apply for

newme2012 — Fri, 27 Apr 2012 13:13:10 GMT

Just checked my scores this morning and they are 619-TU & 664-EQ. I still have 3 collections reporting on TU. I've done really well in getting my score up but now I need to add a card to my credit (my husband and I will be purchasing a home next year). Any suggestions on the best card to apply for? I was thinking about bank of america.

Thanks for your advice!

Re: Which card should I apply for

Anonymous — Fri, 27 Apr 2012 13:14:49 GMT

Are the 3 collections reporting ONLY on TU?

Re: Which card should I apply for

boomhower — Fri, 27 Apr 2012 13:19:08 GMT

How recent and how much are the collections?

Re: Which card should I apply for

newme2012 — Fri, 27 Apr 2012 14:43:15 GMT

The most recent is June 2010 from Verizon(370). The others are medical bills from 06 and 07 (200 combined)

Thanks.

Re: Which card should I apply for

webhopper — Fri, 27 Apr 2012 16:34:55 GMT

Have you tried posting in the Rebuilding forum and learning about PFD those tradelines?

I would start with something small, maybe a retail card like WalMart or Kohls, somewhere that you shop anyways and could use a discount. Those are best applied for in store. The other thing I could see you being approved for would be a card like Cap 1 Platinum where they may start you off with a small limit like $750 which may never be increased, but at least will help you build good solid payment history.