Hi, All, I need some assistance & this is my first time "on" the forum. My cedit is on the "rebuild" after being down and non- existent for some time. About a year and half ago.... it was non- existent, I now have a few cards, a car lease but my credit file is "thin" Have a Discover $2,500 (started as secure 9 months ago $2 k limit upgraded to UNS & CI since ) Car lease about 1 1/2 year old and about/ 50 % paid down, Walmart card $400, 3 months & a Credit Builder loan $2,000 almost half way paid / 5 months old. .... all payments on time & current.
However I have rebuilt to where Eq 757, TU 741 Exp 664 ( had a old collection come up as active for $400, which has been paid but not reported yet) . I recently applied for a Citi ?Double cash, was declined since they pulled Experian and saw the collection which was open..... Who should I apply with for a major cc that will pull EQ or TU only ..where approval odds are good? Any suggestions ?
I would suggest Cap1 Quick Silver. They check all three credit agencies, but my scores were much lower than yours across the board when I was approved for a $3000 limit back in April. They just increased that to a $6000 credit limit after six months of on time payments. You can see in my signature where my scores were when I applied and where they are now. I'd say even with the EX score, you've got a good chance of getting a nice limit with them. Would also suggest Amazon orJetblue, which are the other cards I've been approved for with my scores. I also have Discover, but see you already have that one. Good Luck!
Thank you, I may wait till Exp marks collection paid, I think Jet Blue is Barclays and pulls TU, so that may be a good option,
Amazon I believe is Synchrony, who only approved me for Walmart store (not MC)... for $200, then quickly went to $400, so I may let
that age for a bit.