I have been lurking for a while as I try to dig myself out of credit hell... again. I want to thank everyone who posts here as it is a great resource! I still have a lot of BADDIES on my CR but it looks like things are going in the right direction. I got a car loan from RoadLoans through CarMax about a year ago and I got a secured Cap1 card about 6 months ago and just got an email that my limit was raised $100.
I tried the shopping cart trick a few days ago and was approved for a Buckle card for $250. After reading a lot of posts I tried the pre-auth for a Barclaycard and it just gave me a suggested card, no approval. After reading that some people get approved with just that I gave it a shot and was approved for $500! I have been feeling pretty good so I just decided to press my luck and just got approved for a Quicksilver card for $500 so I am elated.
My FAKOS are around 600 so I am pretty surprised but I wanted to share my story for other folks who are in the same boat. If anyone has any recommendations for other cards I can try for that are simiar please let me know. I plan on using all of these for around 5% of their limits and hopefully in 6 months I should be in much better shape.
Welcome to the forums!
You've done a great job so far. Congrats on your new TLs. Probably time to take a break for 6 mos to a year. There is always room in the garden, so feel free to join us.
Thanks guys, I am pretty content with these new TL's. I would love to be able to refi my car loan but I think that wont happen because of LTV since I added a warranty. I did apply to join DCU and they approved me pending my DL which I sent in.