Help!!!!!

[Credit_]

I need credit I'm screwed ex 637 eq 600 tu 678... I have Barclay card 500 cap one mc 300.

[efranklin23]

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@Credit_ wrote:
I need credit I'm screwed ex 637 eq 600 tu 678... I have Barclay card 500 cap one mc 300.

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Need more info about your current status (income, baddies, how long you had credit cards, Credit Util Rate and AAoA) to further help you better. Based on the current info, I see you have a ok TU score at 678 which may qualify you for an BofA Secured Card or other Barclays Cards. I would strongly recommend going to a local credit union and try opening up an chk/savings account and then apply for a credit card as they're more understanding.

[lg8302ch]

Agree ..we need more info. Are these scores Fico or Fako scores?  Did you pull them from this site?

[coldnmn]

If your not willing to give us more information it's impossible for us to help you!

[CreditMagic7]

Help!!! IS ready but aside from the initial panic title OP, please follow thru with knowledgable members are asking with your current details.

Help here is easily transformed into a working plan that can being the results you may need.

Welcome!

[Creditaddict]

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@Credit_ wrote:
I need credit I'm screwed ex 637 eq 600 tu 678... I have Barclay card 500 cap one mc 300.

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perfect, you started new thread... this will help you having your own... I'll carry over my first questions from the other thread:

1. How long have you had the Cap1? is it Quicksilver?

2. Do you have baddies?

3. Have you thought about any GE backed Cards based on your TU score being highest, 76 Gas Card, Chevron, Walmart, PayPal MC, etc.

[chosen4th]

If you have any baddies in the last 6 months good luck.. my scores are all above those and i cant get approved for crap, or a CLI for any existing.. My only bad is a verizon for 136$ that went to collection in june and i paid right away.. TU at 715 and i cant get a barclay

[Creditaddict]

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@chosen4th wrote:

If you have any baddies in the last 6 months good luck.. my scores are all above those and i cant get approved for crap, or a CLI for any existing.. My only bad is a verizon for 136$ that went to collection in june and i paid right away.. TU at 715 and i cant get a barclay

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I think maybe now you need your own thread:

What current credit cards do you have open and in good standing?

When did you apply for Barclay? Did you recon with credit department and they still said no? because of the paid verizon?

[chosen4th]

I 

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@Creditaddict wrote:

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@chosen4th wrote:

If you have any baddies in the last 6 months good luck.. my scores are all above those and i cant get approved for crap, or a CLI for any existing.. My only bad is a verizon for 136$ that went to collection in june and i paid right away.. TU at 715 and i cant get a barclay

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I think maybe now you need your own thread:

What current credit cards do you have open and in good standing?

When did you apply for Barclay? Did you recon with credit department and they still said no? because of the paid verizon?

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I have some of the Rebuilders.. Cap 1 1050 Limit, 250 Balance, Credit one 500 limit 14 balance, Merrick 500 limit 30 balance, Best Buy Citi 300 Limit 0 balance, Citi bank plat (older) 12k Limit 750 balance.. Baddies- Verizon collec from above paid in june, Charge off from june 2007 about to fall off, 2 judgements paid from 2009.. No lates on entire credit besides from the verizon and charge off

[chosen4th]

sorry and 2 auto loans fully paid, 1 open, no lates on any, one student loan, no lates