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I have just cleaned up my report. At present I have no negatives, no accounts, nothing on credit report. Not sure of my score but it is 649 on creditkarma. I am waiting for Cap1 secured to be reported any day now on account and another BOA line where I am an authorized user. In this situation, are there any unsecured cards to consider applying for do you think????
wait until your 2 cards report. You can then look into a store card (walmart or target) and then garden the daylights out of those.
Kind of hard to get a decent unsecured card until you build up a little more history. How about waiting six months and applying for a Chase Freedom?
+1
@Edk83 wrote:I have just cleaned up my report. At present I have no negatives, no accounts, nothing on credit report. Not sure of my score but it is 649 on creditkarma. I am waiting for Cap1 secured to be reported any day now on account and another BOA line where I am an authorized user. In this situation, are there any unsecured cards to consider applying for do you think????
Department store cards are easy to get. I have had my JCPenney card since 1993 infact its my oldest account and it has survived 2 bankos, hey just never wanted to give up on me and because of that I have stuck by them. One of the only department store cards I still use. Started that puppy with a 500 credit limit and now its 5k.
Definitely app for the Walmart card. As long as your scores are above 640 you should be approved. You will get a free TU 08 FICO score for free each month and GE is the most generous lender when it comes to CLIs.
Thanks! I applied for the Walmart store card. I was told I would get a decision in the mail between 7-10 days. I dont know if its a good thing, probably not. What do you think? Its worth a shot!