@Bankrupt2019 wrote:
@NRB525 wrote:
@Bankrupt2019 wrote:I hate to seem harsh, but if you are having financial troubles. Now is not the time to be trying to acquire credit and its probably in lenders best interest to not lend to you based on your current situation. I'm sorry this is not what you want to hear, but its the hard truth.
If you don't want to be harsh, then why are you shouting at the top of your lungs?Who's yelling?
Are you still at 533 FICO score, or did you take action to try to improve your score? That's what OP is trying to do. Try to be supportive.
No I've taken steps and improved my scores. I am however in a position to do so. The OP,by his own admission, is having financial troubles. Being in financial distress and applying for every credit card under the sun is not a way to improve your credit and get to where most of us are striving to be. It's a sure sign that further problems are imminent. I've been there. I was being supportive by suggesting that the OP is about to get further into trouble.
Blue bold font to me is "yelling" as much as caps lock... No need for it
@Anonymous wrote:
@Chris679 wrote:
@Bankrupt2019 wrote:
@NRB525 wrote:
@Bankrupt2019 wrote:I hate to seem harsh, but if you are having financial troubles. Now is not the time to be trying to acquire credit and its probably in lenders best interest to not lend to you based on your current situation. I'm sorry this is not what you want to hear, but its the hard truth.
If you don't want to be harsh, then why are you shouting at the top of your lungs?Who's yelling?
Are you still at 533 FICO score, or did you take action to try to improve your score? That's what OP is trying to do. Try to be supportive.
No I've taken steps and improved my scores. I am however in a position to do so. The OP,by his own admission, is having financial troubles. Being in financial distress and applying for every credit card under the sun is not a way to improve your credit and get to where most of us are striving to be. It's a sure sign that further problems are imminent. I've been there. I was being supportive by suggesting that the OP is about to get further into trouble.
You may very well have a good point but the giant blue font is a bit much.
The font is fine. Lots of people on this site have colored fonts. It isn't in caps. While it is a bit jarring, such is the preference of the poster, and we should be able to adjust to it.
Problem isnt that its blue but the fact its blue and in bold...
@Closingracer99 wrote:
@Bankrupt2019 wrote:
@NRB525 wrote:
@Bankrupt2019 wrote:I hate to seem harsh, but if you are having financial troubles. Now is not the time to be trying to acquire credit and its probably in lenders best interest to not lend to you based on your current situation. I'm sorry this is not what you want to hear, but its the hard truth.
If you don't want to be harsh, then why are you shouting at the top of your lungs?Who's yelling?
Are you still at 533 FICO score, or did you take action to try to improve your score? That's what OP is trying to do. Try to be supportive.
No I've taken steps and improved my scores. I am however in a position to do so. The OP,by his own admission, is having financial troubles. Being in financial distress and applying for every credit card under the sun is not a way to improve your credit and get to where most of us are striving to be. It's a sure sign that further problems are imminent. I've been there. I was being supportive by suggesting that the OP is about to get further into trouble.
Blue bold font to me is "yelling" as much as caps lock... No need for it
I'm Sorry you feel that way. I didn't realize that a bunch of adults could be sooooo sensitive to the size and color of a font. FYI
THIS IS YELLING!!
@Bankrupt2019 wrote:
@Closingracer99 wrote:
@Bankrupt2019 wrote:
@NRB525 wrote:
@Bankrupt2019 wrote:I hate to seem harsh, but if you are having financial troubles. Now is not the time to be trying to acquire credit and its probably in lenders best interest to not lend to you based on your current situation. I'm sorry this is not what you want to hear, but its the hard truth.
If you don't want to be harsh, then why are you shouting at the top of your lungs?Who's yelling?
Are you still at 533 FICO score, or did you take action to try to improve your score? That's what OP is trying to do. Try to be supportive.
No I've taken steps and improved my scores. I am however in a position to do so. The OP,by his own admission, is having financial troubles. Being in financial distress and applying for every credit card under the sun is not a way to improve your credit and get to where most of us are striving to be. It's a sure sign that further problems are imminent. I've been there. I was being supportive by suggesting that the OP is about to get further into trouble.
Blue bold font to me is "yelling" as much as caps lock... No need for it
I'm Sorry you feel that way. I didn't realize that a bunch of adults could be sooooo sensitive to the size and color of a font. FYI
THIS IS YELLING!!
No need to use Bold blue Fonts....
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:
little backstory i move here from Israel some years ago never need credit barrow but am lately in poor finances due on family happenings,
i go to start for apply on many different banks chase citi capatal one even premiere first bank and all are disapprovel come back with low score on letter from 390 to 465 any suggestives?You can look into joining the State Department Federal Credit Union, SDFCU. They allow you to create a membership with an affiliation, you pay a small fee to the affiliate to become a member of that organization, and then you can join SDFCU.
Once you are a member of SDFCU, you can open a Savings account.
SDFCU also has a Secured Credit Card that has no credit check involved at all. There is no review of your credit file. What you do is, you deposit at least $250 into your SDFCU savings account, then as part of the Secured Credit Card application, you agree to use that $250 (or more, I think you can have something like $2,000) in your savings account as the security for the card. SDFCU then has you electronically sign various forms, agreeing to using the savings as security, applying for the card, etc.
This approval process should be able to complete, as long as you have some sort of US tax identification, such social security number.
Once you get the secured credit card, it works at merchants just like any other credit card, up to the security limit you have. I think you can add to your savings account, to increase the limit later, if you want to. The card reports on your credit report as a credit card, helping to build payment history.
You should also get a copy of your credit report, to see what might be causing your scores to be so low.
Reports on this forum indicate SDFCU now hard pulls for the secured card, and maybe for membership, also.
I would be quite interested to see specific evidence of this, given that my direct experience in getting that SDFCU Secured card was no HP, and that their website still clearly states no credit check.
Hi there OP,
I have merged your cross posted item on this from the CC forum to this thread. Please refrain from cross posting on the same subject in the future it can lead to confusion by the members and it isnt inline with our TOS. I thank you for your understanding.
gdale6
