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I've been trying so hard for so long (just the last year or so ) to get this subprime monkey off of my back, but I just can't shake it!!! I went from two years ago not having any line of credit what-so-ever, to finally biting the bullet and getting a few subprime cards because I couldn't get a secured card. Then I was FINALLY able to obtain a Capital One Secured card and the subprime offers kept coming. I decided to take the chance so that I can have some type of credit to build on, then I was approved for a $25k car loan on a 2012 last year, have received a few increases on my cards, but still no luck from a prime card yet . The only thing that has happened was in the past few weeks as I was shoppping here or there whether in store or on-line, I was offered a card through pre-approval. My question is how long do you guys think I have to wait before I can 86 the subprime life and step into a card with lower interest and great rewards??? What can I do??
@Scorpiion wrote:I've been trying so hard for so long (just the last year or so ) to get this subprime monkey off of my back, but I just can't shake it!!! I went from two years ago not having any line of credit what-so-ever, to finally biting the bullet and getting a few subprime cards because I couldn't get a secured card. Then I was FINALLY able to obtain a Capital One Secured card and the subprime offers kept coming. I decided to take the chance so that I can have some type of credit to build on, then I was approved for a $25k car loan on a 2012 last year, have received a few increases on my cards, but still no luck from a prime card yet . The only thing that has happened was in the past few weeks as I was shoppping here or there whether in store or on-line, I was offered a card through pre-approval. My question is how long do you guys think I have to wait before I can 86 the subprime life and step into a card with lower interest and great rewards??? What can I do??
LOL I manage restaurants and know oh too well about 86'ing....Welcome to the forums!!! It can depend on a lot of things... do you have any baddies (derogs)???how many INQ in the past year???what is your current UTIL??
@Scorpiion wrote:I've been trying so hard for so long (just the last year or so ) to get this subprime monkey off of my back, but I just can't shake it!!! I went from two years ago not having any line of credit what-so-ever, to finally biting the bullet and getting a few subprime cards because I couldn't get a secured card. Then I was FINALLY able to obtain a Capital One Secured card and the subprime offers kept coming. I decided to take the chance so that I can have some type of credit to build on, then I was approved for a $25k car loan on a 2012 last year, have received a few increases on my cards, but still no luck from a prime card yet . The only thing that has happened was in the past few weeks as I was shoppping here or there whether in store or on-line, I was offered a card through pre-approval. My question is how long do you guys think I have to wait before I can 86 the subprime life and step into a card with lower interest and great rewards??? What can I do??
Sounds like a year of gardening will get that monkey off of your shoulder!!!
this year just one inquiry, I'm still waiting on like 13 to fall off ...yeah I know thats alot but I didn't know about it until last year in August from being on here, thats when I stopped. The derogs and baddies are from like 7++ years ago which I pay something off of my report every month and the utilization is at 32%, it has come down a long way from 50% around the holidays.
@Scorpiion wrote:this year just one inquiry, I'm still waiting on like 13 to fall off ...yeah I know thats alot but I didn't know about it until last year in August from being on here, thats when I stopped. The derogs and baddies are from like 7++ years ago which I pay something off of my report every month and the utilization is at 32%, it has come down a long way from 50% around the holidays.
I agree with LS but to also add if your baddies are 7+ years old you should be able to make them go away pretty easily..
Best of luck!!!!
Beb
@Scorpiion wrote:I've been trying so hard for so long (just the last year or so ) to get this subprime monkey off of my back, but I just can't shake it!!! I went from two years ago not having any line of credit what-so-ever, to finally biting the bullet and getting a few subprime cards because I couldn't get a secured card. Then I was FINALLY able to obtain a Capital One Secured card and the subprime offers kept coming. I decided to take the chance so that I can have some type of credit to build on, then I was approved for a $25k car loan on a 2012 last year, have received a few increases on my cards, but still no luck from a prime card yet . The only thing that has happened was in the past few weeks as I was shoppping here or there whether in store or on-line, I was offered a card through pre-approval. My question is how long do you guys think I have to wait before I can 86 the subprime life and step into a card with lower interest and great rewards??? What can I do??
Welcome to myFICO. Give it some time, things will only get better as long as you continue to do the right things. Good luck!