Wow just signed up for the scorecard and I am suprised my credit is actually higher then My EX-711 and they are factoring my old good credit aswell it's really suprising when I pre qaul on their site I only get a secured offer maybe now if I pre Qaul I will see offers since they have a more accurate picture of my credit.
http://tinypic.com/r/wmayqv/9
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If you don't want a secured card then you will have to apply for some of the non secured cards that you are prequalified for and see if you are approved. That means you will have to risk getting inquiries as that is the way the process works. No one can guarantee an approval but you must apply first to find out if you are approved. You seem to want a guarantee that you will be approved before applying and there is none.
I am just simply asking for advice pertaining to my credit profile as I have done alot of lurking here and gotten as much advice as I can to apply to my situation but just wondered what I would be most likely to receive without taking to many HP for no reason thanks for the advice and I think I have two cards in mind I am pre approved for that I am going to app for as soon as my latest payment reports and brings down my utlization to 10%.
Sounds like a good plan; in the future get your utilization below 8.9% (lower if you're going to have interest post that statement) for maximum FICO scoring benefit.
It should post any day now and the CLI from capital one should help a little. I hope I get another CLI in 2 months at the 5 month mark aswell. For now I just need to wait a couple days for that payment to report before I app. I am thinking chase freedom and the amex everyday card. According to what I am seeing both of those cards are well within my credit score. Hopefully in a couple days I can report back with a 2nd card and get into the discover secure if I don't get an un secured offer. Thanks for all the advice everyone it's much appreciated!
