HOOTERS

[Anonymous]

JUST GOT DECLINED FOR A HOOTERS CARD FEEL BLACKBALLED CANT GET CREDIT CARDS HAVE FP TRYING TO GET A LEGIT CARD..

[orl2185]

Sorry to hear that.

HSBC Orchard Bank will consider you with your scores, please this repair thing is extremely stressful hang in there.

BTW, welcome to the board.

[Red1Blue]

Hi maxima. Have patience and lot of dedication. You can rebuild your credit with the help and advice of some of the best pro's on this board. Welcome Aboard.

[MidnightVoice]

It will take time, but there is a ton of help available here.

[Anonymous]

THANKS ALOT I NEED IT..

[haulingthescoreup]

Hi, maxima --there are a lot of battle-scarred veterans here who have been where you are. If you are willing to grit your teeth and post the details of your credit reports, you can get some really useful advice on where to go and how to get there.

Be sure to edit out any details like account numbers and any personal info.

[Anonymous]

Hang in there.  I was declined by Hooters as well.  I currently have 7 cards and my scores are nothing to write home about.  In fact, my scores dropped because of too many inquiries.  I have about 13 and need to let a few drop before I apply for any new cards.  I am trying to get CLI's on the cards that I have.  That is critical.

Message Edited by landocalrissian on 12-18-2007 05:15 PM

[Anonymous]

SHOULD I TRY A RECON....

[Anonymous]

maxima, look at your tu score. It's come up 78 points since February. Keep going in that direction, dear.

My TU score in Feb.2007 was 521. That's when I woke up out of my credit coma, went to the bank, withdrew saving JUST to pay down on the balances of the few cc's I did have at the time. I stopped cold turkey using the cards until 4 out the 6 were pif'd.

Doing that not only increased my TU score to 681 by July, but increased my ability to apply for and get decent cards.

Work on increasing your scores, and you'll start getting nice pre-approved offers in the mail. I know it's hard, but be selective in what you apply for. Do not apply for a card in blind hopes that you'll get it. That was my downfall.

Good luck to you.

[SmartCookie]

hi maxima1 and welcome!

First, your scores are FICO, not FAKO, correct?  You have a First Premier card and that is your only open TL on all 3 CBRs?  OK.

Don't be too upset over Hooters.  One of their internal reqs are 2 open TLs.  So, it was not necessarily your scores, but this.  Yes recon, but not yet... see what you can do about new credit in the next 2 weeks and disputing any inaccuracies on your current reports.  Then recon.  Any new credit you get may not be reporting at the time of recon but maybe they will take your word for it or an acceptance letter as proof of 2 TLs.

In the meantime, read the boards on the BoA secured and partially secured 99/500 cards to see if you might want to apply for that.  They convert to unsecured with good history.

Lastly, you have a decent enough chance to get immediate approval for a regular Cap1 card.  You will probably get an AF and low starting limit but it's a good unsecured card that will 'credit step' your CL up automatically.  I suggest going onto the capitalone.com site and doing their pre-qual form to see if they advise you you are pre-qualified as a good indicator of if you should risk the hard INQ or not.

Once you get a 'legit' card, as you put it... go back to working on repairing your current CBRs before applying for more cards.  Maximum new cards I'd suggest for you before finishing repair work is 2 new ones, both BoA and Cap1 if you can get both for now.  If you recon Hooters sucessfully that'd be great too but it is a bit iffy due to the time-constraints of getting something new reporting soon.