So I started my rebuild after getting my FICO scores. My Transunion FACO was way off.
EX 535. EQ 552. TU 481
Started my rebuild with:
Credit One $400 unsecured
Open Sky. $1000 secured
Self Lender. 1 year $48 per month.
Now nothing for a few months. Then I'm thinking about trying TD Bank secured. There are several branches about two hours from me. Will keep the Credit One for 11 months then cancel.
Nice. In around 3-4 months. Hit up Cap1 for their Plat card. No need to drive 2 hrs for a secured. With what you have now. You might be able to by-pass secured cards. Let the 3 new accounts age till then. But hey its a great start! Congrats!
Thank you so much!! Hoping Capital One will let me back in but I did burn them for about $30,000. My plan is work on credit and save for a down payment on a newer car at the end of the year.