Hi Wild1, when I started working on repairing my credit in January, my EQ was 543. Not much higher than yours is now! I applied and received a National City secured card. They told me they only check CR's to verify your information. Pretty much everyone gets approved so that's why I went for it. The AF is $36 (charged $3 mth).
I kind of regret doing it now because since January, I've worked really hard on sending GW letters and getting paid items removed. Since that time my score has increased and I've been able to get a Cap 1, BoFA 99/500 secured, target red card and an HSBC unsecured with a CL of $1500. I'm pretty sure establishing a good payment pattern with my first secured card probably helped my score some.
Oh, my CR is alot worse than yours. I have about 5 paid CO's, many lates and a couple of old collections. It's all paid and I have no balances on my CC's, but still a lot of baddies!
Good luck!
Message Edited by kball64 on
06-13-2008 03:21 PM
