Where to start.

[Anonymous]

I haven't had a credit card in about 14 years.  I was fortunate enough to get a new car loan from ford in april.  I recently had ERC repost an account after a year and i lost 57 points.  Score is now a 601 with experian and I don't know the others.  I was just rejected for a home depot card.  From what I read I need to get a credit card in my name to help my credit but if I just go through a bunch of inquiries and subsequent rejections that cant help me.

[Anonymous]

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@Anonymous wrote:

I haven't had a credit card in about 14 years.  I was fortunate enough to get a new car loan from ford in april.  I recently had ERC repost an account after a year and i lost 57 points.  Score is now a 601 with experian and I don't know the others.  I was just rejected for a home depot card.  From what I read I need to get a credit card in my name to help my credit but if I just go through a bunch of inquiries and subsequent rejections that cant help me.

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Secured card.

[Anonymous]

You can go on Capital One pre-qual site and see if anything comes up, with a 601 score you should be able to get one of their cards.

[coldnmn]

SDFCU no HP and they report to all three credit bureaus. The down side it doesn't unsecure but it's a good step in the right direction. Search the board at top of the page to read some feedback. Good Luck whatever you decide!

https://www.sdfcu.org/emv-creditcards

[Anonymous]

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@Anonymous wrote:

I haven't had a credit card in about 14 years.  I was fortunate enough to get a new car loan from ford in april.  I recently had ERC repost an account after a year and i lost 57 points.  Score is now a 601 with experian and I don't know the others.  I was just rejected for a home depot card.  From what I read I need to get a credit card in my name to help my credit but if I just go through a bunch of inquiries and subsequent rejections that cant help me.

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BOA offers a secured credit card from which you can rebuild your credit from.

[Anonymous]

I don't think your scores are low enough to require a secured card, necessarily. You might be able to be approved for a Quicksilver One card. Capital One does triple pull, but the QS1 does offer good rewards for a rebuilder card.

[Anonymous]

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@Anonymous wrote:

I don't think your scores are low enough to require a secured card, necessarily. You might be able to be approved for a Quicksilver One card. Capital One does triple pull, but the QS1 does offer good rewards for a rebuilder card.

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Credit steps AND an AF to boot.

The QS1 is a sucker deal unless your spend is very heavy. Get the Journey instead if you HAVE to go for a rebuilder. It even comes with a lower APR to boot.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I don't think your scores are low enough to require a secured card, necessarily. You might be able to be approved for a Quicksilver One card. Capital One does triple pull, but the QS1 does offer good rewards for a rebuilder card.

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Credit steps AND an AF to boot.

The QS1 is a sucker deal unless your spend is very heavy. Get the Journey instead if you HAVE to go for a rebuilder. It even comes with a lower APR to boot.

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Yeah, but if you do a secured card, you're at the mercy of the lender to unsecure it. Who knows how long that could be, if ever (depending on the lender)? Journey is actually not a bad idea, but I think the credit requirements are bit higher for that card, so it might be harder to get. At least the QS1 you can convert to a no AF card later. To recoup the annual fee, by the way, you would only need to charge $2600 in a year (that's only $217 a month, easily doable for someone who only has one credit card). 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I don't think your scores are low enough to require a secured card, necessarily. You might be able to be approved for a Quicksilver One card. Capital One does triple pull, but the QS1 does offer good rewards for a rebuilder card.

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Credit steps AND an AF to boot.

The QS1 is a sucker deal unless your spend is very heavy. Get the Journey instead if you HAVE to go for a rebuilder. It even comes with a lower APR to boot.

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Yeah, but if you do a secured card, you're at the mercy of the lender to unsecure it. Who knows how long that could be, if ever (depending on the lender)? Journey is actually not a bad idea, but I think the credit requirements are bit higher for that card, so it might be harder to get. At least the QS1 you can convert to a no AF card later. To recoup the annual fee, by the way, you would only need to charge $2600 in a year (that's only $217 a month, easily doable for someone who only has one credit card). 

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The Journey and the QS1 have the same U/W from what I can tell. The Journey can also be PC'd into a No-AF QS.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

I don't think your scores are low enough to require a secured card, necessarily. You might be able to be approved for a Quicksilver One card. Capital One does triple pull, but the QS1 does offer good rewards for a rebuilder card.

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Credit steps AND an AF to boot.

The QS1 is a sucker deal unless your spend is very heavy. Get the Journey instead if you HAVE to go for a rebuilder. It even comes with a lower APR to boot.

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Yeah, but if you do a secured card, you're at the mercy of the lender to unsecure it. Who knows how long that could be, if ever (depending on the lender)? Journey is actually not a bad idea, but I think the credit requirements are bit higher for that card, so it might be harder to get. At least the QS1 you can convert to a no AF card later. To recoup the annual fee, by the way, you would only need to charge $2600 in a year (that's only $217 a month, easily doable for someone who only has one credit card). 

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The Journey and the QS1 have the same U/W from what I can tell. The Journey can also be PC'd into a No-AF QS.

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That may be true. All we really have to go on are statistics. As far as CK is concerned, the average approved score for the Journey is 627, the average approved score for the QS1 is 616. Not a huge difference, to be fair. But since the OP is below both of those numbers, I'd still have to say QS1 would be a safer bet.