Credit Card for 388 CS!?

[PlasticOrPlastic]

Is this even possible?  I mean I know about Credit One and First Premiere but would they even touch a score this low?!? 

[Josh2942]

Oh yeah they would they would lie that score. They would make you pay a boat load of fees

[PlasticOrPlastic]

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@Josh2942 wrote:
Oh yeah they would they would lie that score. They would make you pay a boat load of fees

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Kind of what I was expecting to hear, but figure thats the only options huh?  Doubt secured cards would even bat an eye at that score...yikes.

[Involver]

I am genuinely interested in learning how it is even possible to achieve(?) a score that low?

I have seen some pretty horrendous credit reports that are nowhere near that territory, score-wise.

[PlasticOrPlastic]

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@Involver wrote:

I am genuinely interested in learning how it is even possible to achieve(?) a score that low?

I have seen some pretty horrendous credit reports that are nowhere near that territory, score-wise.

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I never thought it was possible myself until a guy I work with asked me to help him rebuild.  When he told me his score I think my eyes almost popped out, I haven't gotten any details, but I know hes had some problems (2 BK7's, divorces, OWI's, medical bills, repo's, forclosures, and probably more).  My only advice for a credit card was the two mentioned above. 

[parakleet]

It sounds like his time would be better spent on cleaning up his report rather than looking for a card that would only offer him the worst of fees.

[-NewGuy-]

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@parakleet wrote:

It sounds like his time would be better spent on cleaning up his report rather than looking for a card that would only offer him the worst of fees.

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Yeah, pretty much.

[Anonymous]

There are some secured cards that don't look at scores. I think SDFCU might be one, although I'm not certain. Check into secured cards from credit unions.

[ExplicitElicit]

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@parakleet wrote:

It sounds like his time would be better spent on cleaning up his report rather than looking for a card that would only offer him the worst of fees.

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This... Just simply consolidating the debt and taking care of collections/CO's at the moment would be best. Secured cards would be the best start, then slowly working back up into the the 600's.

[SunriseEarth]

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@Anonymous wrote:
There are some secured cards that don't look at scores. I think SDFCU might be one, although I'm not certain. Check into secured cards from credit unions.

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+1.  

OP, with that type of score, he'd definitely be better served by fixing his baddies at this point.   Even the easiest of store cards would require upper 500s.  I wish him success in his rebuild!