topic Re: Best Card??? in Credit Cards

Best Card???

koky — Tue, 02 Apr 2013 16:37:45 GMT

Quick Question... I have a FICO score of EQ 609 & TU 624 With a score like this what is the best Unsecured Card for me???

Re: Best Card???

Blurbz — Tue, 02 Apr 2013 16:41:23 GMT

What does your credit report look like? What is reporting now? Baddies? My first guess is a store card...I don't think you're quite ready for a prime card unless you qualify for student cards.

Re: Best Card???

koky — Tue, 02 Apr 2013 16:43:31 GMT

One Paid Charged off.. 180 days 9months ago... Apart from that I am in the clear....

Re: Best Card???

Blurbz — Tue, 02 Apr 2013 16:46:19 GMT

Yeah, that's pretty recent. I'd probably look for a store card at a place you shop at fairly regularly. Just PIF for 6 months and see where your score is. That charge off is going to hurt for a long time.

Re: Best Card???

koky — Tue, 02 Apr 2013 16:47:45 GMT

I know... Trying to GW but not working... Cap one is a tough Nut to crack...

Re: Best Card???

Blurbz — Tue, 02 Apr 2013 16:50:33 GMT

Yeah, I'm in the same boat with Chase. It sucks. I would also call local CUs and see if they might be willing to work with you. That was one of my first post charge off cards and they were/are great to work with.

Re: Best Card???

Anonymous — Tue, 02 Apr 2013 16:52:29 GMT

What is the best cards to use for someone like me trying to rebuild their credit?

Re: Best Card???

koky — Tue, 02 Apr 2013 16:52:56 GMT

I just got a TD bank secured card it starts reporting next week hopefully i get some score increase... Don't know if I need one more...

Re: Best Card???

boomhower — Tue, 02 Apr 2013 16:58:45 GMT

Look into a secured card. Various CU's, Wells Fargo, BOA, among others offer them.

Re: Best Card???

koky — Tue, 02 Apr 2013 17:00:02 GMT

Will sure Do...

Re: Best Card???

koky — Tue, 02 Apr 2013 17:08:03 GMT

Re: Best Card???

Burned2manybridgesB4 — Tue, 02 Apr 2013 18:48:33 GMT

Looking for utilization padding, or a usable cc?

Re: Best Card???

distantarray — Tue, 02 Apr 2013 19:09:18 GMT

Capital one rarely has documentation, try sending a DV letter

Re: Best Card???

koky — Tue, 02 Apr 2013 19:33:39 GMT

Actually I settled the account already... So the account has been closed and reporting $0 balance...

Re: Best Card???

distantarray — Tue, 02 Apr 2013 20:03:03 GMT

@koky wrote:
Actually I settled the account already... So the account has been closed and reporting $0 balance...

doesn't matter DV's can help even after it's paid off, it seems backwards but it can and does work at times.

Regardless is a collections reporting or capital one directly? if so try a 623 to OC, DV to CA, and disputes to all CRA's. Often many companies will just delete cause it's easier to delete than to try to dispute with you especially when everything's paid already.

I got every single derogatory item deleted and I paid 3 at the time. How? They all violated the law in one time or another.

Re: Best Card???

koky — Tue, 02 Apr 2013 21:52:21 GMT

Thanks for the Info...