GBC wrote:
Currently: TU: 485 Experian: 506 Equifax: 508 Should I forego apps for even secured cards?
BofA is iffy for the secured card with low 500s. I've seen denials much higher than that.
When looking for a secured card, a prime consideration should be whether the card will grow with you, and eventually unsecure. Unofortunately, the cards that grow with you are the ones that are more difficult to qualify for.
I'd imagine you could get an Orchard secured with those scores, but that's one that won't grow with you.
I'd second (third) the recommendation to try a local CU.