Help: How to know which to apply for?? NFCU, CapOne, BOA, etc.

[Anonymous]

I am working towards rebuilding and see I need try get revolving credit through cards, secured I am sure. But with my scores so low, how do you know what to apply for? I would like to avoid too many hard pulls if I already know in advance I will be denied.

As of today:

FICO Score 8 based on Equifax data: 495
FICO Score 8 based on TransUnion data: 485
FICO® Score 8 based on Experian data: 476

Thanks in advance!

[ojefferyo]

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@Anonymous wrote:

I am working towards rebuilding and see I need try get revolving credit through cards, secured I am sure. But with my scores so low, how do you know what to apply for? I would like to avoid too many hard pulls if I already know in advance I will be denied.

As of today:

FICO Score 8 based on Equifax data: 495
FICO Score 8 based on TransUnion data: 485
FICO® Score 8 based on Experian data: 476

Thanks in advance!

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I would go with secure cards at the moment if those are your real scores. Try Bank of America, Cap 1

[SecretAzure]

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@ojefferyo wrote:

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@Anonymous wrote:

I am working towards rebuilding and see I need try get revolving credit through cards, secured I am sure. But with my scores so low, how do you know what to apply for? I would like to avoid too many hard pulls if I already know in advance I will be denied.

As of today:

FICO Score 8 based on Equifax data: 495
FICO Score 8 based on TransUnion data: 485
FICO® Score 8 based on Experian data: 476

Thanks in advance!

---

I would go with secure cards at the moment if those are your real scores. Try Bank of America, Cap 1

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This^

Also, have you gotten any Discover It (Student) things in the mail? If they counter-offer you with a secure card those are generally good because they report as a real card and graduate eventually.

[Anonymous]

I started with scores low 500s and built my file with a couple share secured loans and 5 secured cards. I reviewed the cards tohelp others in the same boat. Here's the thread.

http://ficoforums.myfico.com/t5/Credit-Cards/Secured-cards-my-experience/m-p/3696888

DON'T make an oops and get a first premier card. First progress has been just fine for me, some people have confused the two. If you have any specific questions, ask them in the thread and I will answer

[Anonymous]

No, but I do have a huge collection of mail from Capital One "pre-qualified" type offers, but had not done all this research at time recieved. Those offers were only good thru Jan. 2015 and the others in 2014. I haven't recieved any in about a month that I didn't throw away. 

[Anonymous]

run the cap1 prequal. See what pops up. you can try chase prequal as well, tho that might be a stretch. Some of the others are kind of sketchy, dont trust discover prequal for sure.

[Anonymous]

Apply for the CapitalOne QS ONe or platinum...my gf scorse are in the high 400s/low 500s and she got a $300 line from capital one. I would try them before you try and secured cards, just to kind of gauge where you stand. She also has unpaid student loans and lates...go figure.

I know for a fact CapitalOne approves with low 500s and high 400s, this is my experience.

[Pway]

Either you can go the secured route through a local credit union or try capital one prequalifier.  Capital One is good with helping people rebuild their credit history.

Good Luck

Don

[Anonymous]

I just became a member of Navy Federal Credit Union!!  Did the application via telephone (about 10 minutes ago) and am now a member! 

Should I apply for one of their cards or is it too soon??

[Anonymous]

I was approved for the Capital One Secured card and was asked to make deposit of $99 for $200 credit limit. I deposited $100.00 today online.