Card for Rebuilding Credit that pulls Experian or Equifa

[Anonymous]

I currently have a secured card with Merrick Bank that I just opened and have an installment loan of around $1000 that I have been paying on for 3-months and about to make another payment on it even know it isn't due until next month.

I was just wondering what would be another card that I should get? My score on Equifax jumped 75 points with Merrrick Bank reporting and a $25k collection that just came off from a dispute.  

My Equifax went from a 486 to a 561 according to Quizzle. Experian and Transunion hasn't updated from the disputes yet so, i'm not sure what they are yet.  Before the Disputes Experian was at 586. Just waiting on the $25k collection to fall off Experian to which I expect will increase that score as well.

Just want advice on what card I should go for. Should I get another Secured card or should I attempt to get another card that unsecured?

[mongstradamus]

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@Anonymous wrote:

I currently have a secured card with Merrick Bank that I just opened and have an installment loan of around $1000 that I have been paying on for 3-months and about to make another payment on it even know it isn't due until next month.

I was just wondering what would be another card that I should get? My score on Equifax jumped 75 points with Merrrick Bank reporting and a $25k collection that just came off from a dispute.  

My Equifax went from a 486 to a 561 according to Quizzle. Experian and Transunion hasn't updated from the disputes yet so, i'm not sure what they are yet.  Before the Disputes Experian was at 586. Just waiting on the $25k collection to fall off Experian to which I expect will increase that score as well.

Just want advice on what card I should go for. Should I get another Secured card or should I attempt to get another card that unsecured?

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probably would add another secured maybe an BOA , i hear thats an pretty nice card. It can graduate and while secured i believe you can switch it to an 3-2-1 so you are actually getting some cash back when you use it. 

[Anonymous]

I

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@mongstradamus wrote:

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@Anonymous wrote:

I currently have a secured card with Merrick Bank that I just opened and have an installment loan of around $1000 that I have been paying on for 3-months and about to make another payment on it even know it isn't due until next month.

I was just wondering what would be another card that I should get? My score on Equifax jumped 75 points with Merrrick Bank reporting and a $25k collection that just came off from a dispute.  

My Equifax went from a 486 to a 561 according to Quizzle. Experian and Transunion hasn't updated from the disputes yet so, i'm not sure what they are yet.  Before the Disputes Experian was at 586. Just waiting on the $25k collection to fall off Experian to which I expect will increase that score as well.

Just want advice on what card I should go for. Should I get another Secured card or should I attempt to get another card that unsecured?

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probably would add another secured maybe an BOA , i hear thats an pretty nice card. It can graduate and while secured i believe you can switch it to an 3-2-1 so you are actually getting some cash back when you use it. 

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I had previously applied for Bank of America and Cap One Secured and was denied but, now that my score is coming up and I got the $25k collection off.. That may have something to do with it. Could I recon with them rather then having to pull my report again?

[mongstradamus]

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@Anonymous wrote:

I

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@mongstradamus wrote:

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@Anonymous wrote:

I currently have a secured card with Merrick Bank that I just opened and have an installment loan of around $1000 that I have been paying on for 3-months and about to make another payment on it even know it isn't due until next month.

I was just wondering what would be another card that I should get? My score on Equifax jumped 75 points with Merrrick Bank reporting and a $25k collection that just came off from a dispute.  

My Equifax went from a 486 to a 561 according to Quizzle. Experian and Transunion hasn't updated from the disputes yet so, i'm not sure what they are yet.  Before the Disputes Experian was at 586. Just waiting on the $25k collection to fall off Experian to which I expect will increase that score as well.

Just want advice on what card I should go for. Should I get another Secured card or should I attempt to get another card that unsecured?

---

probably would add another secured maybe an BOA , i hear thats an pretty nice card. It can graduate and while secured i believe you can switch it to an 3-2-1 so you are actually getting some cash back when you use it. 

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I had previously applied for Bank of America and Cap One Secured and was denied but, now that my score is coming up and I got the $25k collection off.. That may have something to do with it. Could I recon with them rather then having to pull my report again?

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How recent was it that you applied ? 

[Glkslngr]

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@Anonymous wrote:

I currently have a secured card with Merrick Bank that I just opened and have an installment loan of around $1000 that I have been paying on for 3-months and about to make another payment on it even know it isn't due until next month.

I was just wondering what would be another card that I should get? My score on Equifax jumped 75 points with Merrrick Bank reporting and a $25k collection that just came off from a dispute.  

My Equifax went from a 486 to a 561 according to Quizzle. Experian and Transunion hasn't updated from the disputes yet so, i'm not sure what they are yet.  Before the Disputes Experian was at 586. Just waiting on the $25k collection to fall off Experian to which I expect will increase that score as well.

Just want advice on what card I should go for. Should I get another Secured card or should I attempt to get another card that unsecured?

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I would wait for collection to fall off and for Merrick to report your card to the bureaus because you might see another good jump and your scores might allow you to get decent, unsecured cards, asssuming you have no other negatives on your reports. 

[Anonymous]

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@Glkslngr wrote:

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@Anonymous wrote:

I currently have a secured card with Merrick Bank that I just opened and have an installment loan of around $1000 that I have been paying on for 3-months and about to make another payment on it even know it isn't due until next month.

I was just wondering what would be another card that I should get? My score on Equifax jumped 75 points with Merrrick Bank reporting and a $25k collection that just came off from a dispute.  

My Equifax went from a 486 to a 561 according to Quizzle. Experian and Transunion hasn't updated from the disputes yet so, i'm not sure what they are yet.  Before the Disputes Experian was at 586. Just waiting on the $25k collection to fall off Experian to which I expect will increase that score as well.

Just want advice on what card I should go for. Should I get another Secured card or should I attempt to get another card that unsecured?

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I would wait for collection to fall off and for Merrick to report your card to the bureaus because you might see another good jump and your scores might allow you to get decent, unsecured cards, asssuming you have no other negatives on your reports. 

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Merrick is already reporting to the CR's with a $0 Balance and a $200 credit line.  I already called and paid the annual fee before I got the card. There are other negatives on my reports.. I have a $6000 something one on Equifax and Transunion that isn't mine from ID Theft and then misc medical bills and smaller items that I have been paying and doing PTD on some. I have been disputing the $6000 one and it still hasn't came off. I disputed it again and when my next reports update I'm going to contact CFBR and see if I can get them to take it off.

The $25k was deleted from Equifax so, I'm hoping that TU and Experian fall suite. I would think they would?

[Anonymous]

I

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@mongstradamus wrote:

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@Anonymous wrote:

I

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@mongstradamus wrote:

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@Anonymous wrote:

I currently have a secured card with Merrick Bank that I just opened and have an installment loan of around $1000 that I have been paying on for 3-months and about to make another payment on it even know it isn't due until next month.

I was just wondering what would be another card that I should get? My score on Equifax jumped 75 points with Merrrick Bank reporting and a $25k collection that just came off from a dispute.  

My Equifax went from a 486 to a 561 according to Quizzle. Experian and Transunion hasn't updated from the disputes yet so, i'm not sure what they are yet.  Before the Disputes Experian was at 586. Just waiting on the $25k collection to fall off Experian to which I expect will increase that score as well.

Just want advice on what card I should go for. Should I get another Secured card or should I attempt to get another card that unsecured?

---

probably would add another secured maybe an BOA , i hear thats an pretty nice card. It can graduate and while secured i believe you can switch it to an 3-2-1 so you are actually getting some cash back when you use it. 

---

I had previously applied for Bank of America and Cap One Secured and was denied but, now that my score is coming up and I got the $25k collection off.. That may have something to do with it. Could I recon with them rather then having to pull my report again?

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How recent was it that you applied ? 

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I just applied probably like over 15 days ago or so. Maybe longer, I'm not sure.

[Glkslngr]

Oh, I missed the point about it reporting already, sorry about that. With everything else considered, perhaps it would be best to get another secured while you sort out the other negatives. Maybe you can recon the BOA or Cap One as someone else suggested. I'm unfamiliar with any other secured cards.. I hope someone with experience or knowledge on the topic can steer you in the right direction. 

Edit: Maybe BOA would be a better shot since you cannot graduate CapOne secured cards. 

[mongstradamus]

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@Glkslngr wrote:

Oh, I missed the point about it reporting already, sorry about that. With everything else considered, perhaps it would be best to get another secured while you sort out the other negatives. Maybe you can recon the BOA or Cap One as someone else suggested. I'm unfamiliar with any other secured cards.. I hope someone with experience or knowledge on the topic can steer you in the right direction. 

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when i was in rebuilding phase i had cap one and first progress neither of them are horrible per se, but there are better options like boa and discover, where you can get cash back i believe. 

[Anonymous]

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@mongstradamus wrote:

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@Glkslngr wrote:

Oh, I missed the point about it reporting already, sorry about that. With everything else considered, perhaps it would be best to get another secured while you sort out the other negatives. Maybe you can recon the BOA or Cap One as someone else suggested. I'm unfamiliar with any other secured cards.. I hope someone with experience or knowledge on the topic can steer you in the right direction. 

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when i was in rebuilding phase i had cap one and first progress neither of them are horrible per se, but there are better options like boa and discover, where you can get cash back i believe. 

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What would my chances be of getting a Discover Card at my scores? Also, do you have a number for re-con at Bank of America?

I was wondering if I could even get the QuickSilver Rewards Card with CapOne?

I was thinking even with the collections that I currently have I should still be able to get approved for another card unless I need to get my score up to a 620 before I can get an actual unsecured?

What are the chances on like a Barclay, Discover or what other options? I did a pre-qualif on CrediOne and got Insufficent Credit History was the reason for denial.