After having a BK in 2005 and and rebuilding and then BAM another bump in the road in 2009, my scores did a MAJOR NOSE DIVE and I just stopped! Bought a few cars but refused to get any credit cards! Well that was a bad idea because by not re-estabplishing myself my score never grew and bought another car about 6 months ago and again 15% rate!
Learned my leason and at that time I got a Capitol One Secured card for 500 (since been raised to 800 with no additional deposit) at that same time got a Credit One CC for $300.00 (increased to 500 alrady...Yes I know this card sucks but served it pupose) In Sept. a Fingerhut for 700 (already raised to $1,200 this month) and this month got a Kohls card for $300.00 and NOW my true want the QuickSilver One card. (I was SOOO afraid to go forward because I would hit the Pre-Qual button and I never got the YOU ARE PRQUALIFIED message!) I Only was approved for $500.00 to start (should I call and ask for higher?) I didn't try for the QuickSilver because I don't believe I'm at that level quite yet.
My scores now are in the low 600's and now I'm going to the garden until March when the BK 7 will fall off and I will redo my High Int. Auto loans at that time! Thanks to everyone for your help I troll these boards constantly for your advice!
Congrats on your credit journey! You will have to wait for your credit step CLI I'm afraid with your scores. If you use it and treat it right you may have a pleasant surprise when you get the credit step CLI. Thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5kOk, I'm REALLY done now and off to the garden I go (I promise!) I just hit the button for a Walmart card APPROVED for $500.00!
@robertkinder wrote:Ok, I'm REALLY done now and off to the garden I go (I promise!) I just hit the button for a Walmart card APPROVED for $500.00!
Congrats again! My Walmart started as a $700 store card I hit the CLI button every 4 months to get where it is now and it was upgraded. Be sure to sign up for paperless statements to get your free TU credit score every month.
@robertkinder wrote:After having a BK in 2005 and and rebuilding and then BAM another bump in the road in 2009, my scores did a MAJOR NOSE DIVE and I just stopped! Bought a few cars but refused to get any credit cards! Well that was a bad idea because by not re-estabplishing myself my score never grew and bought another car about 6 months ago and again 15% rate!
Learned my leason and at that time I got a Capitol One Secured card for 500 (since been raised to 800 with no additional deposit) at that same time got a Credit One CC for $300.00 (increased to 500 alrady...Yes I know this card sucks but served it pupose) In Sept. a Fingerhut for 700 (already raised to $1,200 this month) and this month got a Kohls card for $300.00 and NOW my true want the QuickSilver One card. (I was SOOO afraid to go forward because I would hit the Pre-Qual button and I never got the YOU ARE PRQUALIFIED message!) I Only was approved for $500.00 to start (should I call and ask for higher?) I didn't try for the QuickSilver because I don't believe I'm at that level quite yet.
My scores now are in the low 600's and now I'm going to the garden until March when the BK 7 will fall off and I will redo my High Int. Auto loans at that time! Thanks to everyone for your help I troll these boards constantly for your advice!
Congratulations!...Thanks For Sharing.
Congrats
congrats
