@nelson_xxiii wrote:
@Chazzay12 wrote:
@nelson_xxiii wrote:No worries. After further research, I think i'm going to try my luck at Discover IT CB & Apple Card and then go for an AMEX Delta Card for the travel rewards. Probably in that order. Eventually i'll get a Savor card at some point.
Good luck! Sounds like a good plan of action. Keep checking the disco and Amex prequalify tool. I too had a credit one card and closed it as soon as I was able to get some decent cards.
Good thing about those cards is they don't "bucket" cards in the same sense that Cap1 will.
I have to ask, how did you finally break away from the bottom tier card companies like Credit One? It seems that no matter how much work I put into my credit and no matter how much progress I make I still only get offers from the likes of Credit One, Milestone & Indigo bottom tier cards in the mail, CK & experian app!
It's so frustrating and deflating when I see those offers! Makes me feel like i'm never gonna break away from these cards! Even with my scores in the mid 600s for the most part, it means nothing. I really hope that when I apply in the next coming weeks that Capital One or Discover actually give me an unsecured offer because I am beyond frustrated with trying and trying and spinning my wheels! Will I ever have a respectable and good card lineup in my wallet?!?! SMH!
I feel ya, it's just takes time. Also depends on what's going on in your credit profile. I paid all my collections/charge offs and they were all back in 2019. I had 3 or 4. Also have some old auto loans that have been paid off with no derogs that's giving my reports some age.
After credit one, I got in cap1 with a non secured platinum, then Disco with a student card because I'm taking some classes. Luckily it has same benefits as normal "it" card. Then had an Amex prequalify offer for BCE once my scores were around 670. Barely slid in with Chase after. (Amex too for that matter) I also have an auto loan that's giving me the "credit mix"
It just takes some time for those on time payments to build up and the derogs to get older and older. I practice AZEO. And pay no mind to those offers on CK and EX sites, mine all say that too lol. I've seen others here with 700+ scores still showing them, just a marketing thing, don't let that defeat you.
Keep checking those prequalified offers scores will keep raising over time with on time payments.
Starting Score: 580s
I feel ya, it's just takes time. Also depends on what's going on in your credit profile. I paid all my collections/charge offs and they were all back in 2019. I had 3 or 4. Also have some old auto loans that have been paid off with no derogs that's giving my reports some age.
After credit one, I got in cap1 with a non secured platinum, then Disco with a student card because I'm taking some classes. Luckily it has same benefits as normal "it" card. Then had an Amex prequalify offer for BCE once my scores were around 670. Barely slid in with Chase after. (Amex too for that matter) I also have an auto loan that's giving me the "credit mix"
It just takes some time for those on time payments to build up and the derogs to get older and older. I practice AZEO. And pay no mind to those offers on CK and EX sites, mine all say that too lol. I've seen others here with 700+ scores still showing them, just a marketing thing, don't let that defeat you.
Keep checking those prequalified offers
You're probably right about those sites cause at the end of the day they are just pushing their own agenda and their sponsers! U saying it kinda put that in perspective for me. I will def check their pre-qualification tools soon and see what happens.
I have been on AZE0 since January when I discovered this site and AZE0 and it's done wonders for my score. As far as my CR, I just paid off a C/O from 2018 from CAP1 (secured) last month and a BoA (secured) 3 weeks ago as well. The CAP1 should actually be deleted from my report by next month accoeding to a letter I received in the mail from Portfolio Recovery agency and i'm hoping that will put me back in good graces with CAP1 plus the fact that I am now in the FAIR credit zone and proven to be better with credit than I used to be. I have no more derogs and even have 2 auto leases totaling $32k, a personal loan (installment loan) for good credit mix as well and a mortage i'm closing on in the next 2 weeks God willing.
Definitely a long ways away from the credit problems and money problems I encountered back in 2018! Just hoping I can "barely squeeze in" with some good cards soon too lol.
i appreciate the info. Gonna try and stay optimistic. Hope to report back some positivity soon!
@nelson_xxiii Well hey congrats on the mortgage. That's a big thing in itself I'm currently shopping for a home myself.
Once those collections update and delete you should see a score increase too, I did as mine got deleted.
Best of luck and looking forward to some updates!
@Chazzay12 wrote:@nelson_xxiii Well hey congrats on the mortgage. That's a big thing in itself
Once those collections update and delete you should see a score increase too, I did as mine got deleted.
Best of luck and looking forward to some updates!
Thank you! Getting a mortgage is still unbelievable to me. I was shooting for summer and that's if everything broke perfectly for me by then but God had other plans so here we are and couldn't be happier.
That's the hope. Seeing my score tip the 680 mark in the short-term (3 months) and the 700 mark in the next year would be amazing.
I'll def be right here on this thread reporting back when I get some love from the CC companies.