need first CC help

[Anonymous]

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@Skye12329 wrote:

Update - He was approved, he didnt want to risk the student question and having it be declined and wasting a triple pull. He is no longer a student (used to be) So he did apply for QS1 and was approved. The $39 AF isnt huge especially since its a 1 year AF and i know we will be able to get it removed and refunded through the EO. 

CL = $300 Of which is awesome because its a start Trust me after fighting so hard on trying to remove Collections and other baddies, this is a wonderful start!

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Congrats! Cap One is a good company when it comes to giving people a chance. They did for me.

[Anonymous]

I would try for a 2nd something...Just for AAoA purposes, getting a 2nd card going with the 1st has worked better for many people. It has been stated that 3 is best for maxing fico score, but I would at least try to get a 2nd for now. INQ during rebuilding are minor, you probably aren't buying a house before those INQ become irelevant anyway, so go for 2.

[Skye12329]

Right but his AAOA is already 3 years. Mainly due to his student loans. Adding him to my cards dropped it by 50%. Because it was 6 years. But he needed help ok his scores. Now I can remove him and he will go for barclays or amex down the road. No rush now. We will wait for the house first. Honestly this is a giant step because I mean it's been 4 years (length of dating) of seeing him constantly being denied. He's finally getting another chance to basically start fresh from him being stupid when young and Identity Theft thanks to Wells Fargo....oh I hated that battle.

[scorewatcher7]

congrats on approval! I've had my ups and downs over the years and having collections/judgments regardless of their dates makes it sometimes literally impossible to get even the 'easiest' card. Cap1 is lenient, but I have a friend who couidn't even qualify and she had much less issues on her reports. $300 is definitely the minimum, but getting the approval is all that matters. In one year, that $300 can be $3000 with proper use and responsibility. Good luck house hunting..

[Anonymous]

It will only drop by another fraction if you get a 2nd card.probably down to 2.6 years or something like that. Having 2 cards allows you to have 1 show a balance when statement cuts and the other show 0. That is a score booster in and of itself. 3 accounts is what people say allows for max fico scoring in relation to credit cards. Everybodys goals are different, so find a path that meets your (and his goals). Were it me, I would def get at least a 2nd card now so they age together.

[DueDilligence]

Good Luck, if there's a will there's a way.... You guys seem pretty determined and strategic, Keep everyone posted...