topic Re: Credit Rebuild in Rebuilding Your Credit

Credit Rebuild

Anonymous — Wed, 24 Aug 2016 20:12:40 GMT

Hi, guys! I started working on rebuilding a few months ago, and have increased my FICO from 512 to ~~570~~. I'm using the FingureHut FreshStart currently, just made Paymnet #2. I think I'm going to stretch it to at least 3 months with weekly payments put in if I can stand to hold onto it that long.

I haven't applied for a Cap1 credit card since my last attempt a few years ago. Is there a card someone can suggest to help me along the way? My biggest issue was allowing student loan payments to be forgotten. I have since set them up so my online banking account pays directly from the checking account, instead of doing auto payment through my Debit Card (which after losing it on more than one occassion caused me to forget to make the payments I had never had to physically make. But that's just an excuse.)

So here I am:

8-24-16:

FICO - ~~570 according to Equifax~~ 591 according to Credit Check Total

EQ - ~~568~~ 591

TU - ~~555~~ 591

EX - ~~557~~ 593

Two different scores from two different places. Not sure which one to look at.

I feel so embarrassed typing it out like that!

What I need: Suggestions for a low limit credit card, and a credit buddy, if any of you are willing to be that (and have one in return!). It's stupid to make the amount of money I do and be in my situation (not that I'm drowning in my paycheck, but I should have been more responsible).

Thanks yall!

Re: Credit Rebuild

Anonymous — Wed, 24 Aug 2016 19:46:41 GMT

Do you have any other negative items on your reports besides the student loans? With those scores you might have to get a secured card to begin with. Talk to your bank/CU about the possibility.

Re: Credit Rebuild

Anonymous — Wed, 24 Aug 2016 19:49:54 GMT

I have a DISH Network that I completely forgot was in my name when I moved out of an apartment not too long ago, but that's it.

Re: Credit Rebuild

Anonymous — Wed, 24 Aug 2016 21:37:19 GMT

@Anonymous wrote:
Hi, guys! I started working on rebuilding a few months ago, and have increased my FICO from 512 to ~~570~~. I'm using the FingureHut FreshStart currently, just made Paymnet #2. I think I'm going to stretch it to at least 3 months with weekly payments put in if I can stand to hold onto it that long.

I haven't applied for a Cap1 credit card since my last attempt a few years ago. Is there a card someone can suggest to help me along the way? My biggest issue was allowing student loan payments to be forgotten. I have since set them up so my online banking account pays directly from the checking account, instead of doing auto payment through my Debit Card (which after losing it on more than one occassion caused me to forget to make the payments I had never had to physically make. But that's just an excuse.)

So here I am:

8-24-16:
FICO - ~~570 according to Equifax~~ 591 according to Credit Check Total
EQ - ~~568~~ 591
TU - ~~555~~ 591
EX - ~~557~~ 593

Two different scores from two different places. Not sure which one to look at.

I feel so embarrassed typing it out like that!

What I need: Suggestions for a low limit credit card, and a credit buddy, if any of you are willing to be that (and have one in return!). It's stupid to make the amount of money I do and be in my situation (not that I'm drowning in my paycheck, but I should have been more responsible).

Thanks yall!

Apply for Cap One Platinum. Ignore the crap Equifax scores. They are FAKO scores. Look closely and you won't find the "FICO" letters anywhere on there page.