https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-made-my-one-credit-account-current-finally-Show-I-apply-for/m-p/5857664#M606386 Thanks so much Mon, 30 Dec 2019 17:39:32 GMT HighGoals 2019-12-30T17:39:32Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-made-my-one-credit-account-current-finally-Show-I-apply-for/m-p/5857638#M606381 <P>I have a&nbsp; lot of baddies on my account dating back to two months ago. I beginning the rebuilding process but know that no one will approve me for a credit card. My current fico is 567. I eventually want to get a mortgage one day. Should I get an unsecured credit card and add to the balance every month? Balance would definitely stay low and would be current each month. Don't I need another positve account? I only have one credit card and it has a bunch of baddies.&nbsp;</P> Mon, 30 Dec 2019 17:04:36 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-made-my-one-credit-account-current-finally-Show-I-apply-for/m-p/5857638#M606381 HighGoals 2019-12-30T17:04:36Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-made-my-one-credit-account-current-finally-Show-I-apply-for/m-p/5857651#M606385 <P><FONT face="georgia,palatino,serif" size="3" color="#000080">Congrats on getting your account current!&nbsp; &nbsp;What other derogatories do you have on your credit reports?</FONT></P><P>&nbsp;</P><P><FONT face="georgia,palatino,serif" size="3" color="#000080">You may want to consider starting with a secured card to establish a solid payment history rather than applying for unsecured cards and possibly racking up a bunch of inquiries and denials&nbsp; &nbsp; You can start with <A href="https://www.openskycc.com/" target="_blank" rel="noopener">OpenSky</A>&nbsp;-- they don't run a credit check and they are non-predatory.&nbsp; They do have an annual fee (I believe $39) but the card will get the job done.&nbsp; &nbsp;You can have a deposit/limit as low as $200 ($3K Max) -- credit limit doesn't matter, utilzation does, so deposit the amount that works for you financially.&nbsp; &nbsp;The only thing is OpenSky does not eventually graduate to unsecured, so once you're able to qualify for unsecured credit, you can close the OpenSky account and get your deposit refunded.&nbsp; You can also look into cards that will eventually unsecure, such as the Discover secured card-- it's a very good secured card. Use their prequalification tool to see if you are prequalified for the secured card and if so, apply for that.&nbsp; Disco secured can unsecured in as little as 7 months -- but it may take as long as 18 months; it depends on your credit profile.&nbsp; &nbsp; Also, if you are a member of any local credit unions, you may want to see what they have to offer.&nbsp;</FONT></P> Mon, 30 Dec 2019 17:29:54 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-made-my-one-credit-account-current-finally-Show-I-apply-for/m-p/5857651#M606385 thornback 2019-12-30T17:29:54Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-made-my-one-credit-account-current-finally-Show-I-apply-for/m-p/5857664#M606386 Thanks so much Mon, 30 Dec 2019 17:39:32 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-made-my-one-credit-account-current-finally-Show-I-apply-for/m-p/5857664#M606386 HighGoals 2019-12-30T17:39:32Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-made-my-one-credit-account-current-finally-Show-I-apply-for/m-p/5858808#M606478 <P>Congrats!</P> Tue, 31 Dec 2019 19:39:31 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Just-made-my-one-credit-account-current-finally-Show-I-apply-for/m-p/5858808#M606478 collics 2019-12-31T19:39:31Z