Help

[Anonymous]

I Have my report 

I had a medical bill which i disputed and it was removed

I have an apartment balance of 1500 ( in the process of paying)

the apartment is on credit twice for some reason, i have a disute open to have one removed

open auto loan- no lates 

nissian current payment 355 interest 13% have 48 months 

[Anonymous]

opened secured loan and credit card with nfcu both in sept.

have 48 months left on car 355 a month interst 13% with american bank 

plan on making a two principal with taxes hopefully that helps

[Anonymous]

quick silver i believe

[Creditaddict]

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@Anonymous wrote:

opened secured loan and credit card with nfcu both in sept.

have 48 months left on car 355 a month interst 13% with american bank 

plan on making a two principal with taxes hopefully that helps

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Can you payoff the secured loan?

you have a car loan so you don't need another installment loan.

What score did Navy give you on denial?

What score did Cap1 give you on denial?

[Anonymous]

yes, i only got it becuase i was told it will help credit... I can payoff today! on the cap 1 it said 607 and the score was listed on nfcu denail letter 

[Creditaddict]

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@Anonymous wrote:

yes, i only got it becuase i was told it will help credit... I can payoff today! on the cap 1 it said 607 and the score was listed on nfcu denail letter 

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I personally would pay it off.

I would keep checking weekly the cap1 pre-qual offers... don't apply with them again until you get a screen that says "Congrats, we found these offers for you"

Then apply for 2 back to back!

Once you get a couple unsecured cap1 cards, I would go back to Navy and apply for an unsecured credit card (make sure the cap1 cards are reporting first though.)

[Anonymous]

Okay thank you so much, I will payoff today.

And yes because I dont want any more inquiries they are piling up..

do you know the time frame it will take me to start seeing the effects of the secured card 

[Creditaddict]

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@Anonymous wrote:

Okay thank you so much, I will payoff today.

And yes because I dont want any more inquiries they are piling up..

do you know the time frame it will take me to start seeing the effects of the secured card 

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most likley very quick.

[Anonymous]

thank you so much you have been most helpful!! wish I knew about credit before I ruined it