topic Re: Trying to rebuild!!! in Rebuilding Your Credit

Trying to rebuild!!!

Anonymous — Sat, 23 Apr 2011 17:05:31 GMT

I Recently started to rebuild my credit. I Have applied and gotten both a cap one card and a first premier card. I have also gotten a fingerhut account. I have been declined for Macy's, BBC,jcpenny,_Walmart. I am wondering if there are any cards that I can get that report to all 3 credit bureau that are not secured. I have some CO and bad debt over five years old. So far the only card reporting is first premier. Thanks in advance.

Re: Trying to rebuild!!!

Anonymous — Sat, 23 Apr 2011 18:45:42 GMT

@Anonymous wrote:
I Recently started to rebuild my credit. I Have applied and gotten both a cap one card and a first premier card. I have also gotten a fingerhut account. I have been declined for Macy's, BBC,jcpenny,_Walmart. I am wondering if there are any cards that I can get that report to all 3 credit bureau that are not secured. I have some CO and bad debt over five years old. So far the only card reporting is first premier. Thanks in advance.

IMO since you are in the rebuilding process let the few cards you were approved for age a little (6 months - year) before applying for anything more.

Rebuilding is not an over night success.

Good Luck

Re: Trying to rebuild!!!

guydiver — Sat, 23 Apr 2011 19:30:16 GMT

+1, what JM-AM said, that's all you need for now. Anything else just drags your score down farther. Rebuild.......one step at a time. Good luck.

Re: Trying to rebuild!!!

Anonymous — Sat, 23 Apr 2011 19:41:37 GMT

I guess I am just excited and am ready to get the ball rolling. This time I am trying to do it the right way.

Re: Trying to rebuild!!!

LS2982 — Sat, 23 Apr 2011 23:00:05 GMT

@Anonymous wrote:
I Recently started to rebuild my credit. I Have applied and gotten both a cap one card and a first premier card. I have also gotten a fingerhut account. I have been declined for Macy's, BBC,jcpenny,_Walmart. I am wondering if there are any cards that I can get that report to all 3 credit bureau that are not secured. I have some CO and bad debt over five years old. So far the only card reporting is first premier. Thanks in advance.

Im in like the same position you are!! I would suggest gardening your secured CC's for 6 months and check your FICO's then if your INQ's are low try the unsecured Cap1 card.