topic Re: Looking for unsecured CC for Guaranteed Approvail in Credit Cards

Looking for unsecured CC for Guaranteed Approvail

Anonymous — Mon, 23 Dec 2013 04:23:22 GMT

Credit score: 590

Has anyone had luck with being approved for a CC. Looking to rebuild. Looking for unsecured cards or something to increase utilization. Thank you.

Re: Looking for unsecured CC for Guaranteed Approvail

Anonymous — Mon, 23 Dec 2013 04:27:33 GMT

There is no guaranteed card, per se, but you might want to try the shopping card trick. If you do a search on these forums you'll find it.

Re: Looking for unsecured CC for Guaranteed Approvail

Creditaddict — Mon, 23 Dec 2013 04:28:58 GMT

@Anonymous wrote:
Credit score: 590

Has anyone had luck with being approved for a CC. Looking to rebuild. Looking for unsecured cards or something to increase utilization. Thank you.

What bad is on your reports?

any current open credit cards?

what unpaid credit cards do you have

surprisingly many cards will issue in the 590+ range of score but if you currently have baddies with them then that changes and also where is the credit score from?

Re: Looking for unsecured CC for Guaranteed Approvail

Anonymous — Mon, 23 Dec 2013 04:36:35 GMT

3 Revolving CCs with $1200 total limit. 30% Util. ! collection.Do you have experience removing negative items on your credit report?

Re: Looking for unsecured CC for Guaranteed Approvail

LearningMoreAboutCredit — Mon, 23 Dec 2013 04:46:22 GMT

@Anonymous wrote:
3 Revolving CCs with $1200 total limit. 30% Util. ! collection.Do you have experience removing negative items on your credit report?

Lower your utilization to below 10% before you app. How old are your cc's? As for experience removing negative items, yes I have...rebuilt from the ground up since 2007.

You can do it too after some research and asking for advice to point you in the right direction.

Re: Looking for unsecured CC for Guaranteed Approvail

Involver — Mon, 23 Dec 2013 05:10:00 GMT

I would think a "gauranteed" approval at 590 would be tough. What is your collection / how old / lates ?

Which cards do you currently have for 3 / 1200 ?

Re: Looking for unsecured CC for Guaranteed Approvail

Creditaddict — Mon, 23 Dec 2013 05:13:00 GMT

@LearningMoreAboutCredit wrote:
@Anonymous wrote:
3 Revolving CCs with $1200 total limit. 30% Util. ! collection.Do you have experience removing negative items on your credit report?
Lower your utilization to below 10% before you app. How old are your cc's? As for experience removing negative items, yes I have...rebuilt from the ground up since 2007.

You can do it too after some research and asking for advice to point you in the right direction.

If you have 3 unsecure cards I would not apply for anything new now.

work on your collections and get them removed/paid then look for new credit in prime range

Re: Looking for unsecured CC for Guaranteed Approvail

FinStar — Mon, 23 Dec 2013 05:15:44 GMT

@Creditaddict wrote:
@LearningMoreAboutCredit wrote:
@Anonymous wrote:
3 Revolving CCs with $1200 total limit. 30% Util. ! collection.Do you have experience removing negative items on your credit report?
Lower your utilization to below 10% before you app. How old are your cc's? As for experience removing negative items, yes I have...rebuilt from the ground up since 2007.

You can do it too after some research and asking for advice to point you in the right direction.
If you have 3 unsecure cards I would not apply for anything new now.
work on your collections and get them removed/paid then look for new credit in prime range

OP, if it helps, there's also a wealth of information that can be found under the Rebuilding forum which can also point you in the right direction.

Re: Looking for unsecured CC for Guaranteed Approvail

Anonymous — Mon, 23 Dec 2013 05:22:28 GMT

In the world of CCs, there are never guarantees..