@Anonymous wrote:
Hi All, I'm pretty new to the boards, having spent most of my time perusing the "rebuilding your credit threads". I wanted to mosey over here to get some advice about which card I should try for now to start making my positive credit history more robust. I just did PFD with 4 medical collections accounts and paid a $500 charge off I had on a Capital One card. After my reports get updated I will have 1 PAID 3 year old collection account from an old apartment and 2 unpaid (verizon and progressive) that I am still trying to negotiate PFD for, along with the charge off from Cap One that will now be marked as PAID. My income is $90,000 and my AAoA is 6 years with oldest account 14 years old (Discover). Any thoughts on which cards I might have a good shot at getting approved for? I'm planning to start apping around June depending on how quickly my reports are updated. My current scores are EQ 601/TU 609/EX 610. Thanks in advance!
If your scores stay where they are now you're going to be limited but it's possible that Cap One will give you another card. They have a very short memory. Your scores need to be closer to the 659-660 range where you'll have a good shot at other cards but any charges offs still on your report will hurt you so definitely focus on those PFDs.
