ANY ADVICE

[Anonymous]

FICO  exp 682  tu 645 eq 651. Problem is I have 5 inq. but I need a decent card. I have a walmart at $300 and a cap 1 $300. I have an auto late of 2 yrs ago @30 days, a pd tax lein, a collection that falls off 3- 09.  Any sugg. as to what to do?

[Creditaddict]

Household will give you a card, but limit probably low.

maybe a juni card

macys

target

[Anonymous]

I think the tax lien is going to be the major hurdle here.

Your scores themselves aren't bad. Have you tried any CU's like NFCU or PenFed?

[Anonymous]

Have not tried cu. I thought they did not like judgements or collections? I have a local one, just have to be from this county. Do you think I might try them?

[creditreformer]

btw, on the old collections (paid or unpaid), penfed also said 'we hate negatives/chargeoffs, no matter how old.'  again, they stressed 'we are VERY VERY VERY conservative' and in my case, w/EQ similar to yours, NO baddies since 2003, i was DENIED for penfed's SECURED cc, even though I had 2x the CL on deposit w/them.  essentially they said 'come back when your reports are clean as a whistle.'  just my experience and i apped in may 08.

[haulingthescoreup]

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@Anonymous wrote:

Have not tried cu. I thought they did not like judgements or collections? I have a local one, just have to be from this county. Do you think I might try them?

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This seems worth checking out. Local CU's are often more willing to work with you.

I'd print out my newish FICO reports, complete with scores (especially EQ), and visit any that you qualify for. Tell the loan officer that you're not ready to authorize a hard pull yet, but here are your for-REAL FICO scores, and the secondary report, and do they they that they could work with you? If they sound genuinely optimistic that you'd be approved, and you like them and their service, you can then go ahead and OK the hard pull.

Before you do this, do whatever you can to get your cards reporting the lowest util possible, and let that low util report (check your statement dates), and be prepared to be honest about the problems in your past, and what you're doing differently now. Good luck!