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I started to rebuild just last November after A BK in 2009. I have BK DISMISSED...not Discharged. 1 Foreclosure 2009, 1 repo..2009
Starting Fico was 545 avg..oh yeah...2 collections. Tried a Walmart card in Nov...Denied...Got a 300.00 BOA secured card, paid on time 5 months now,
keep util at 6%. Joined a credit union and took out a 300.00 secured "credit builder loan". Those payments are auto pay, again, never late.
I have a GM Financial on my cr's from 2001...Paid as agreed, paid off early,but closed, yet it shows in my average age of accts. I told myself I would sit for 1 year, then get another card (or try to). Last week my CK score was 644 (Fako) my Eq I pulled from here 615 (myfico). So I was going to wait until I got to 660 or so TRUE FICO ,to app for a Barclay's card. Here's the rub. The 2 collection accts fell of my report and my CK jumped up to 667. I know it's fako so I spent the 19.95
here to pull my true TU Fico..712!!!!! Common...how can 2 OLD baddies be affecting my score that much?? I Still have a BK on there...a repo..and a foreclosure , so I can't see how you can go from 545 to 712 in 5 months. Now I want to app for that Barclay's bad. But those 3 baddies still there, and new credit is 2 open accts, 5 mo old, and toy limits, and NO unsecured accts. I have only 1 INQ now. I bet I'd still get denied, but what would you do in my shoes? Should I go for it, or sit back another 6 mo or so?
Thanks
Wait until they all have reported paid as agreed for at least 6 months. I can't remember if Barclay is BK friendly someone should chime in. If they are try for a Barclay card for average credit. Good Luck!
I was hoping someone would say wait I also forgot to mention my Dad added me as an AU to his 15 year old Quicksilver with 15k limit. That was 3 weeks ago, but it hasn't reported yet. I was thinking if I wait, the AU would throw a flag that they couldn't determine a true fico for me. Heck , I dunno..Funny thing is, as much as I obsess about getting back on track( and it IS an obsession), maybe the AU would help in getting a better starting credit line SHOULD I be approved....You can study this stuff till you're blue in the face and it's still a crapshoot..Ain't life grand
wait what, you have a 712 TU?
When are the baddies?
seems like you should be totally good for barclay!?
Myfico..This site says 712 TU..
Baddies are a forclosure 09..Balance owed 0 (they made money)
Repo with a charge off amount of 789.00 also 09
Filed BK 09 DISMISSED.. I said screw it after I couldn't hang onto the house anyways
Positives are a BOA Secured card with 5 mo history of 6 % util toy 300.00 limit
Credit Union 300.00 "Credit Builder loan ) Secured also 5 months old
An ancient GM Finance car loan in 2001 for 17,000 scheduled for 60 mo, paid off in 36 months.
That's a really thin file..I wish I knew how to post the pic of the TU I pulled from here this eve...Up 70 freakin points in 1 week cuz of 2 collection accts from 2010 removed?
I don't see how a 712 is warranted here..
@teo77777 wrote:Myfico..This site says 712 TU..
Baddies are a forclosure 09..Balance owed 0 (they made money)
Repo with a charge off amount of 789.00 also 09
Filed BK 09 DISMISSED.. I said screw it after I couldn't hang onto the house anyways
Positives are a BOA Secured card with 5 mo history of 6 % util toy 300.00 limit
Credit Union 300.00 "Credit Builder loan ) Secured also 5 months old
An ancient GM Finance car loan in 2001 for 17,000 scheduled for 60 mo, paid off in 36 months.
That's a really thin file..I wish I knew how to post the pic of the TU I pulled from here this eve...Up 70 freakin points in 1 week cuz of 2 collection accts from 2010 removed?
I don't see how a 712 is warranted here..
id say it would be worth the INQ and apply for barclay now.
Sallie Mae?
I don't know about others but Chase didn't care if you're an AU. I don't think being an AU will get a higher limit. I'd wait or go for a Discover IT.
Sez the man with a Centurion card Yer killin me, I could feed my family fer a year with the annual fee alone
Seriously tho, congrats on that
But he is an AU on said Centurion O.o! Im not hating I would love to be an AU on a centurion
@Josh2942 wrote:But he is an AU on said Centurion O.o! Im not hating I would love to be an AU on a centurion
You and me both!