@JoshuaHolySpirit wrote:
@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
Welcome to the forums!
Stay away from those store cards. You have one real CC in that mix, so work with the Cap One. I presume that is not a secured CapOne, correct?
Time is indeed your friend, and avoiding more apping for a long time.
You should probably consider the credit report and monitoring service here, if your budget can afford the $20 per month. The free sources for FICO scores are not reliable.
Good luck!
I'll have to look into the monitoring service. That seems a bit pricy though. And no, it's not a secured card so at least there's that.
Yeah, like others have said, keep your utilization down and let your cards sit for a bit. After 6 months to a year (or longer; don't quote me on this), you might be able to qualify for some prime revolvers. Also, if you can't afford a monitoring service, you can keep in mind that certain companies will provide free scores with your card that are generally reliable, if not decent estimates of your standing - Barclaycard and Discover for TransUnion, CIti for Equifax starting January 18th, AMEX for Experian (I believe) sometime later this year.
Capital One has the TransUnion credit tracker.
At least we may know what's going on with TransUnion regardless of the score meaning.
I am sure you're taking advantage of that.......all the best in your credit life-!!!!!
Capital One provides the same score that Credit Karma provides from what I hear, so it's not reliable. True for me at least. It matches my Credit Karma score but not my Discover or Barclaycard score.
