@firemartinez1980 wrote:
I have been working the past year to build up my credit after a divorce years back and also a bankruptcy. I let my credit go for years as I didn't think twice about it really because I didn't need it. I had a paid off truck, a rental home through a friend and 1 small credit card I used just for gas, food, etc....
My scores after my BK and debt I took on from divorce were around 485 unfortunately, but now they are right around 605. I also just paid off 2 small collections but it hasn't updated to my report yet..
What Card should I go with I have a good chance for Approval with a 600 score and no other debt really??
My best guess would be you're still in sub prime territory so, secured or maybe store cards
Depending on your profile, Merrick has offers with no annual fees, so maybe give them a try
Discover secured because it will unsecure in time and it has rewards. Citi and US Bank have decent secured cards
Did you check cap one?
Also, if you're a member of local credit union, they will frequently have secured/starter cards, so if you're not, you may want to consider joining one.
I know you recently worked on cleaning up your report, so maybe wait 3-6 months to allow your scores to start recovering. Your options at that time may be better than what they are now.
