Finally Generated One?

[xXIDaShizIXx]

Ok guys, so I have had my Capital One secured at $500 for 6 months the middle of this month. I have had, my AAMCO Car Care One card with a $1000 limit for 5 months the 19th (didn't get a cli from them after the 4th statement ) and had my BoA Secured 2 months on the 8th. I apparently still cannot get approved for anything and all of the prequalification websites say that they cannot find a record of me in their system. After my Cap One hits 6 months, should I be able to apply for unsecured lines of credit? And if so, what should I apply for with the best chances in this situation? I'm thinking I still haven't generated a legitimate FICO score yet and that might be what is killing me. Thanks!

[gdale6]

---

@xXIDaShizIXx wrote:

Ok guys, so I have had my Capital One secured at $500 for 6 months the middle of this month. I have had, my AAMCO Car Care One card with a $1000 limit for 5 months the 19th (didn't get a cli from them after the 4th statement ) and had my BoA Secured 2 months on the 8th. I apparently still cannot get approved for anything and all of the prequalification websites say that they cannot find a record of me in their system. After my Cap One hits 6 months, should I be able to apply for unsecured lines of credit? And if so, what should I apply for with the best chances in this situation? I'm thinking I still haven't generated a legitimate FICO score yet and that might be what is killing me. Thanks!

---

If these are your first cards you will not generate a FICO until one of them has 6 months of history reported to the CRA. If that AAMCO is a GECRB card just hit the Luv button, its a sp, I will say you need to post 4 statements to be considered for the CLI and they dont have to be in consecutive months.

[xXIDaShizIXx]

right. my cap 1 will be 6 months in the middle of april and i tried that for the cli from GECRB and i got denied. so is this the problem? also, which cards should i apply for after the six month mark that id have a good chance for?

[chwebb1]

---

@xXIDaShizIXx wrote:
right. my cap 1 will be 6 months in the middle of april and i tried that for the cli from GECRB and i got denied. so is this the problem? also, which cards should i apply for after the six month mark that id have a good chance for?

---

If I remember correctly, you applied for a lot of loans and CC's not too long ago. I'd let those inquiries age first, and maybe apply for unsecured at 1 year.

[xXIDaShizIXx]

spring leaf loan and some cards. i have 5-7 inquiries across my 3 reports. is that too many to apply?

[chwebb1]

---

@xXIDaShizIXx wrote:
spring leaf loan and some cards. i have 5-7 inquiries across my 3 reports. is that too many to apply?

---

If you only have 2-3 inquiries on each report, you're probably OK to apply for 1-2 more accounts. I'd maybe try Discover and Barclays if you don't have any baddies.

[xXIDaShizIXx]

No baddies. Id like a Discover it or a Quicksilver if possible. Would those be a good chance?

[chwebb1]

---

@xXIDaShizIXx wrote:
No baddies. Id like a Discover it or a Quicksilver if possible. Would those be a good chance?

---

You'd probably have a decent chance of getting Discover and QuickSilver One (I think that's what they call it, the one with an AF).

[xXIDaShizIXx]

Last question. Should I ask for a PC from the secured to the QS1?

[chwebb1]

---

@xXIDaShizIXx wrote:
Last question. Should I ask for a PC from the secured to the QS1?

---

I'd definitely try for that, since it wouldn't appear as a new TL.