Couple Questions

[MarineVietVet]

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@JK21 wrote:

How do I get a backdoor number?

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Backdoor Numbers

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

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@Creditaddict wrote:

6 months ask orchard for CLI

I would apply for Barclay Apple... probably declined but great recon with back door number and good chance of small approval which is way better then Cap1 and Orchard.

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I agree with this 100%

[JK21]

I will really like a 3rd card to keep building and then hold off on applying for others.  IS there any other ones that might be able to get be approved or have a good chance at?

[Anonymous]

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@JK21 wrote:

I will really like a 3rd card to keep building and then hold off on applying for others.  IS there any other ones that might be able to get be approved or have a good chance at?

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If you want to improve your chances of being approved for a Barclay Card or even a Walmart Card I would get your score up to 650 or higher. A good way to get there soon is to have a family member add you as an authorize user to a high limit credit card with 5+ year of history. Try to be an AU on an Amex, Visa, MC, and Discover. In 30 days or less you could see a 20-30 point increase

[Anonymous]

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@Anonymous wrote:

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@JK21 wrote:

I will really like a 3rd card to keep building and then hold off on applying for others.  IS there any other ones that might be able to get be approved or have a good chance at?

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If you want to improve your chances of being approved for a Barclay Card or even a Walmart Card I would get your score up to 650 or higher. A good way to get there soon is to have a family member add you as an authorize user to a high limit credit card with 5+ year of history. Try to be an AU on an Amex, Visa, MC, and Discover. In 30 days or less you could see a 20-30 point increase

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Very true, however, some or most CCC's will not take AU accounts into consideration when determining your creditworthiness, it's a YMMV type of thing.

Becoming an AU on a Family Members card can be a double edged sword, it can def help you with AAoA's and util, if the card is 5 or 7 years older than any of your own CC's and has a nice CL, but if for some reason the primary cardholder misses a payment or something, it will also drag your scores down as well, and will lead to derogs on your credit reports.

I'd make sure that your Family Member or who ever will add you as an AU is very "Credit" responsible, you do not want to pay for someone elses mistakes should they default in some way. (When I say pay, I don't mean fork over $$, I mean pay by your credit taking a dive).

Best of Luck!

[dalebb]

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@JK21 wrote:

Can you please explain "recon"? new to all of this and this community board is awesome.

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welcome to the forums,, i would suggest u start reading a lot more,, but that aside u will get a lot of info here.

[LS2982]

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@JK21 wrote:

I have a Capital One secured card for 11 months i started out with a 200 limit, in July they gave me a $100 credit increase? My Fico is 614 my Credit score is 633 i think thats how i understand it. Can you guys give me any tips or to get a better card?

Also have a Orchard bank card that has a 320 limit for 5 months, Do they give credit increases?

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You may want to try for a unsecured Cap1 rewards card. If you give it 6 more months I think you also may have a shot at a AMEX charge card. What does your EX file look like?