What are the chances

[devineer1]

If I am an AU on cards that I cannot myself get approves for now... But show wonderful use and payment history.. What are the chances that if I apply they will approve me....

These company's are Kohls, JCP and VS...

The reason for my denials are new credit and old baddies in which I am in progress with clearing.

[coldnmn]

More information needed for anyone to give an answer. Average age of accounts, how mant and how old the baddies, current cards, etc. You could search at the top of the page shopping cart trick to try get the VS. Good Luck!

[ojefferyo]

I don't think being an AU on an account will encourage them into giving you one if your credit criteria doesn't call for it. As an authorized user you are basically just authorized to use the card. They have no idea who actually pays for the bill every month. As far as they know the main account holder is the one paying.

[tcr300]

I don;t believe the AU accounts will help much honestly...but I could be wrong.  As was mentioned, the shopping cart trick may be an option for th eVS card.Many people building credit start with a VS account.

But as was also mentioned, more infomation would help.  Have you considered getting a secured card just to start?  If your baddies end up being cleared, You can probably app for something unsecured a few months down the road. 

Really just depends on the specifics of where you're at now.

[Anonymous]

Very nice! Have yup used the card a lot? I got an increase before getting the card then 4 months later.. But no luck since and they have not been very generous w/ me lol

_______

sani

[devineer1]

Well the account was just recently opened in November... my MIL added me about a week ago... As far as what cards I currently have...

Cap One Sec $200 opened 11/14

WF Sec $500 opened 01/14 up for review to graduate out of secured status that month

Finger Hut $200 CLI to $600 opened 02/14

AU on Kohls 12/14 $300 MIL approved but gave to me to use

As far as baddies there is about 7K in collections that I am currently working to pay off.. I tackle one account at a time current account is TARGET...  I have student loans that are in deferment bc I'm in school

My scores are yoyo-ing at this point

Equifax  (when I started taking my credit serious)  October 2014      607       Current     577

TransUnion                                                              October 2014      628                        600

Eperian                                                                     October 2014      568                        555

I took a big hit with some unexpected items hitting along with inquires.

Theres the break down... thanks for the feedback!

[ojefferyo]

This is getting very odd by the moment