re: rebuilding.

[LubiLu]

Hi All,

  i finally was able to have all reports clean except experian with a capital one that i settled for less. i have been trying  to negotiate with them to have it deleted which is taking for ever.Which are some of the cards i should apply for?  Whats my chance on getting some nice limits? Planning to have my brother add me to some of his lines. my fico 8 Eq 727 TU 782 Ex 620. Fico 9 is EQ 703 TU 780 EX 637. Thanks in advance.

[ptatohed]

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@LubiLu wrote:

Hi All,

  i finally was able to have all reports clean except experian with a capital one that i settled for less. i have been trying  to negotiate with them to have it deleted which is taking for ever.Which are some of the cards i should apply for?  Whats my chance on getting some nice limits? Planning to have my brother add me to some of his lines. my fico 8 Eq 727 TU 782 Ex 620. Fico 9 is EQ 703 TU 780 EX 637. Thanks in advance.

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Not sure I understood everything you said but I would recommend doing this rebuild on your own, don't rely on/involve your brother.  Keep disputing the negative item on Experian if it is not accurate debt.  If it is accurate debt, consider paying it.  If you have to, start with a secured credit card.  Or maybe a no-frills card with a low limit.  Charge, pay off.  Charge, pay off.  Maybe carry a small balance every once in a while.  Give it some time, be patient, you'll get there.  Good luck.  

[SouthJamaica]

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@LubiLu wrote:

Hi All,

  i finally was able to have all reports clean except experian with a capital one that i settled for less. i have been trying  to negotiate with them to have it deleted which is taking for ever.Which are some of the cards i should apply for?  Whats my chance on getting some nice limits? Planning to have my brother add me to some of his lines. my fico 8 Eq 727 TU 782 Ex 620. Fico 9 is EQ 703 TU 780 EX 637. Thanks in advance.

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Good advice from @ptatohed 

Can you tell us what cards you have, and what kind of features you are looking for?

[LubiLu]

Paid off for less.

[LubiLu]

no cards at the moment.  looking for cards with good cash advances and may be airline miles.

[SouthJamaica]

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@LubiLu wrote:

no cards at the moment.  looking for cards with good cash advances and may be airline miles.

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My recommendation for cash advances is to research credit unions which offer non-rewards platinum cards with low interest, no balance transfer fees, no cash advance fees.

Some which offer those types of cards, and pull EQ or TU, are BECU, NFCU, SECU MD, Dept of Commerce FCU, Lake Michigan CU, Dept of Interior FCU, Digital FCU, and Virginia CU.