No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I'll try to keep it short and to the point. I started a rebuild in march of this year and my fico scores were right at 482 for tu,ex, and eq. fast forward 9 months and with all the help on the forums i was able to get my fico scores up to 681 eq, 679tu, and 690 ex. Decided to go on my first mini app spree and applied for
amex everyday- sl 1k
amex magnet- sl 1k
cap one auto loan - 33k
cap one venture one sl- 1k
discover it- denied
amazon visa- denied
penfed- denied
data points as follows- 4 paid auto loans, 4 inq on all reports before applying with last inq 6 months ago. one unpaid colletion for 4k from 3 yrs ago, paid collection 4 yr old, last 30 day late 10 months ago, no 90 day lates or charge offs, cards before app spree cap 1 qs 500 limit, cap one qs1 500 limit, primor 2k limit. . Ill look to combine the cap 1 cards sometime in the future and although the limits are a little lower im glad to have my foot in the door with amex. No more apps for me for a while. Just looking to grow credit limits now.
Nice work on your yuour build and congratulations on your approvals....keep up the good work....
Nice mini app spree.
Haha, you were on a roll, congrats on those approvals.
When you going to pay that 4k collection, it would certainly help your score
@rohan0784 wrote:
Warculture Ive been trying to pfd for some time on that one. I’m currently waiting on a response from them now.
Just remember, every month that thing goes unpaid, it dings your score. A paid collection is better than an unpaid one. I am a fighter myself when it comes to these things and a bit hardheaded about PFDs. Like you, i'll sweat it out, but the powers here would definitely recommend paying it ASAP.
>
Awesome! Congrats on your rebuild!