topic Re: Need help!!! in Credit Cards

Need help!!!

Melanie220 — Sun, 26 May 2013 19:46:15 GMT

In need of revolving credit! I'm waiting for Fingerhut to report new account. I have applied and been denied for Capital One, BofA secured cards and am afraid of apping again. I know Open Sky does hp but there rates are sky high as I was approved but never sent deposit. Any suggestions would be great! My scores have gone up since apping for these cards and a did pay my one and only cc charge off

Re: Need help!!!

Melanie220 — Sun, 26 May 2013 19:47:28 GMT

Sorry for Typos* sending from Iphone 5

Re: Need help!!!

myjourney — Sun, 26 May 2013 19:48:22 GMT

@Melanie220 wrote:
In need of revolving credit! I'm waiting for Fingerhut to report new account. I have applied and been denied for Capital One, BofA secured cards and am afraid of apping again. I know Open Sky does hp but there rates are sky high as I was approved but never sent deposit. Any suggestions would be great! My scores have gone up since apping for these cards and a did pay my one and only cc charge off

More info needed INQ's AAoA, baddies etc

Re: Need help!!!

Melanie220 — Sun, 26 May 2013 20:03:22 GMT

EQ
FNCB paid collection 4/2013 DoFD 4/2013
Apollo Group UofP paid CO 1/2010
FPB CC CO paid 4/2013 fall off date 6/2013

2 unpaid collections for $100 DoFD is 1/09 and 12/08

EX
Apollo Group paid CO
FNCB paid

TU has FPB same fall off date
FNCB paid
I do have student loan accts in good standing. I'm waiting for them to update two more and they will be in good standing as well. That will leave me with two student loans with one 90 day late on each from 4/11.
My AAoA 4 years. My oldest accts are Student loans opened in 2007.

Re: Need help!!!

myjourney — Sun, 26 May 2013 20:09:22 GMT

@Melanie220 wrote:
EQ
FNCB paid collection 4/2013 DoFD 4/2013
Apollo Group UofP paid CO 1/2010
FPB CC CO paid 4/2013 fall off date 6/2013

2 unpaid collections for $100 DoFD is 1/09 and 12/08

EX
Apollo Group paid CO
FNCB paid

TU has FPB same fall off date
FNCB paid
I do have student loan accts in good standing. I'm waiting for them to update two more and they will be in good standing as well. That will leave me with two student loans with one 90 day late on each from 4/11.
My AAoA 4 years. My oldest accts are Student loans opened in 2007.

I understand you want more cards/TL's however you should garden while working on your file sending GW letters.

I'm sorry to tell you this but feel its in your best interest rather than see you get more HP's and scores fall even lower.

If you need other TL's go for the shopping cart trick only for cards that you would use

Best wishes

Re: Need help!!!

Melanie220 — Sun, 26 May 2013 20:15:58 GMT

Thank you. MyFico keeps telling me I don't have revolving credit. Hopefully Fingerhut will be enough. To the garden I'll go.

Re: Need help!!!

Creditaddict — Sun, 26 May 2013 21:35:53 GMT

try Creditone.com

They have pre-approval... if you get offer it is expensive but not like first premier expensive... but if im reading right, you will have 2 accounts drop off in June like in less than 30 days? If that's the case.... wait for those... then check again....

you bank with a credit union?

Do you have an acutal Score from any of these places that keep denying you or from a pull here at myfico?

Re: Need help!!!

Revelate — Sun, 26 May 2013 21:39:53 GMT

Apply for SDFCU, and take their secured card. No HP for membership, and they don't even pull credit for their secured card (minimum $250), and it's way better than OpenSky/CreditOne and similar.

$0 AF, some flat 1% rewards structure, no forex fee, no HP to open, EMV chipped too if you have to travel internationally for whatever reason; it's nearly ideal, just doesn't get much press.

Re: Need help!!!

myjourney — Sun, 26 May 2013 21:41:43 GMT

@Revelate wrote:
Apply for SDFCU, and take their secured card. No HP for membership, and they don't even pull credit for their secured card (minimum $250), and it's way better than OpenSky/CreditOne and similar.

$0 AF, some flat 1% rewards structure, no forex fee, no HP to open, EMV chipped too if you have to travel internationally for whatever reason; it's nearly ideal, just doesn't get much press.

Just learned something new myself thanks Revelate for info WTG

Re: Need help!!!

Melanie220 — Sun, 26 May 2013 21:43:43 GMT

I had a lot of collection accts when I applied back in March. The only outstanding debt that I do have is my student loans which are a little over $5000 and my two unpaid collections accts totaling $200.00 my student loans are all paid as agreed. The reason I have so many TL from them is because they were sold thus creating a me set of TL. My scores right now are EQ 561 my lowest score pulled thru my fico, TU 596 pulled here, and EX pulled thru EX direct website 612. My Quizzle EX is like 638. I don't have my reason for denial letter but I do remember them referencing my charged off acct. I don't bank with a CU and my bank doesn't offer Secured Cards. The remaining CAs will not budge with GW. I have tried on several different occasions. I kind of feel like I'm stuck?!?

Re: Need help!!!

Melanie220 — Sun, 26 May 2013 21:44:50 GMT

A new*** set of TL

Re: Need help!!!

myjourney — Sun, 26 May 2013 21:47:45 GMT

@Melanie220 wrote:
I had a lot of collection accts when I applied back in March. The only outstanding debt that I do have is my student loans which are a little over $5000 and my two unpaid collections accts totaling $200.00 my student loans are all paid as agreed. The reason I have so many TL from them is because they were sold thus creating a me set of TL. My scores right now are EQ 561 my lowest score pulled thru my fico, TU 596 pulled here, and EX pulled thru EX direct website 612. My Quizzle EX is like 638. I don't have my reason for denial letter but I do remember them referencing my charged off acct. I don't bank with a CU and my bank doesn't offer Secured Cards. The remaining CAs will not budge with GW. I have tried on several different occasions. I kind of feel like I'm stuck?!?

You're never stuck just slowed a bit try what revelate wrote I think its good info

@Revelate wrote:

Apply for SDFCU, and take their secured card. No HP for membership, and they don't even pull credit for their secured card (minimum $250), and it's way better than OpenSky/CreditOne and similar.

$0 AF, some flat 1% rewards structure, no forex fee, no HP to open, EMV chipped too if you have to travel internationally for whatever reason; it's nearly ideal, just doesn't get much press.

Re: Need help!!!

Melanie220 — Sun, 26 May 2013 22:07:57 GMT

Just finished signing up online! Guess I'll have to wait until Tuesday to see if I can try for the secured card! Wish me luck and thanks!!!

Re: Need help!!!

myjourney — Sun, 26 May 2013 22:15:02 GMT

@Melanie220 wrote:
Just finished signing up online! Guess I'll have to wait until Tuesday to see if I can try for the secured card! Wish me luck and thanks!!!

Good luck fingers on both hands crossed and be sure and let us know

Re: Need help!!!

Melanie220 — Sun, 26 May 2013 22:17:02 GMT

Sure will! Thank you guys SOOO much!

Re: Need help!!!

Creditaddict — Sun, 26 May 2013 22:52:53 GMT

This Secured Card reports to credit?

What kind of criteria do they have for unsecured products? do they review the secured card for unsecured later?

I also just opened a savings account... I have not heard of this before... Thanks tons!

Re: Need help!!!

myjourney — Sun, 26 May 2013 22:56:56 GMT

@Creditaddict wrote:
This Secured Card reports to credit?
What kind of criteria do they have for unsecured products? do they review the secured card for unsecured later?
I also just opened a savings account... I have not heard of this before... Thanks tons!

Ask revelate send a PM

revelate had all the info But with all those great cards you and the partner have I know you don't need a secured card!

Re: Need help!!!

LS2982 — Sun, 26 May 2013 23:00:11 GMT

@myjourney wrote:
@Creditaddict wrote:
This Secured Card reports to credit?
What kind of criteria do they have for unsecured products? do they review the secured card for unsecured later?
I also just opened a savings account... I have not heard of this before... Thanks tons!
Ask revelate send a PM

revelate had all the info But with all those great cards you and the partner have I know you don't need a secured card!

I'm thinking CA wants this info. for friens if needed in the future.

Also I dont think it needs to be private, Revelate can you comment on CA's question here. Thanks!

Re: Need help!!!

Creditaddict — Sun, 26 May 2013 23:03:11 GMT

@myjourney wrote:
@Creditaddict wrote:
This Secured Card reports to credit?
What kind of criteria do they have for unsecured products? do they review the secured card for unsecured later?
I also just opened a savings account... I have not heard of this before... Thanks tons!
Ask revelate send a PM

revelate had all the info But with all those great cards you and the partner have I know you don't need a secured card!

yes partner and i have some great cards but i have messed up some of my own stuff so like to build relationships places and yes I do help a lot of friends out and seeing the rates im a little gobbsmacked.... they look better then Navy... Where is the catch.... maybe I can break off... don't mean to take away from this thread.

Re: Need help!!!

myjourney — Sun, 26 May 2013 23:04:20 GMT

@LS2982 wrote:
@myjourney wrote:
@Creditaddict wrote:
This Secured Card reports to credit?
What kind of criteria do they have for unsecured products? do they review the secured card for unsecured later?
I also just opened a savings account... I have not heard of this before... Thanks tons!
Ask revelate send a PM

revelate had all the info But with all those great cards you and the partner have I know you don't need a secured card!
I'm thinking CA wants this info. for friens if needed in the future.

Also I dont think it needs to be private, Revelate can you comment on CA's question here. Thanks!

Just meant so as not to jack OP thread thats all