I have a first premier, opened Nov 2011, it's a secured card, paid $95 dollar deposit, $300 dollar limit, paid on time and in full every month. I have 8 baddies on my CR. Most of them are from like 4-5 years ago. I have a repo from 2008, 2 medical bills, a cable bill, 2 phone bills. I have an auto loan that was opened in January of this yr in good standing of course. Im sure whatever card I apply for I'll be denied, but i'm of trying that back door thing 
lol I'd really love to have a chase card or something, one of the good ones haha.
B4 you think of another card clean up your act take 30 days and GW PFD Hippa on medical accts . Im sure the others will chime in soon maybe and its a small maybe Cap 1 but Chase I dont think thats gonna happen with the dings What is your actual credit picture. IE when the sols are paid or not ? That might give everyone more infp to send you in the right direction.
Starting Score: 0
@cwwatts1202 wrote:I have a first premier, opened Nov 2011, it's a secured card, paid $95 dollar deposit, $300 dollar limit, paid on time and in full every month. I have 8 baddies on my CR. Most of them are from like 4-5 years ago. I have a repo from 2008, 2 medical bills, a cable bill, 2 phone bills. I have an auto loan that was opened in January of this yr in good standing of course. Im sure whatever card I apply for I'll be denied, but i'm of trying that back door thing
No unsecured prime card issuing company is going to touch you right now. DO NOT WASTE your time and take on additional INQ as well as hits to your already low FICO. Take it from us, who've been down that road.
+1, except my credit has always been good and always will be.
@Repo-ed wrote:
@cwwatts1202 wrote:I have a first premier, opened Nov 2011, it's a secured card, paid $95 dollar deposit, $300 dollar limit, paid on time and in full every month. I have 8 baddies on my CR. Most of them are from like 4-5 years ago. I have a repo from 2008, 2 medical bills, a cable bill, 2 phone bills. I have an auto loan that was opened in January of this yr in good standing of course. Im sure whatever card I apply for I'll be denied, but i'm of trying that back door thing
No unsecured prime card issuing company is going to touch you right now. DO NOT WASTE your time and take on additional INQ as well as hits to your already low FICO. Take it from us, who've been down that road.
Seriously though, listen to repo. No prime lender will touch you with your profile, and quite frankly it's downright awful. You've got a lot of work to do before even looking at any prime cards.
@CreditScholar wrote:+1, except my credit has always been good and always will be.
Repo-ed wrote:
I'd disagree with the "downright awful" everything on it is pretty old the most recent item is from 2008. My score is 630ish across the board, not great I know. I know I can not get a prime card, apparently no one here has a sense of humor lol that's why I put "haha" after the comment about wanting a chase card..I'm just looking for someone who has expierenced this before (old baddies on their CR) who have gotten luck with an unsecured card, and which card they were able to get.
@cwwatts1202 wrote:
@CreditScholar wrote:+1, except my credit has always been good and always will be.
Repo-ed wrote:I'd disagree with the "downright awful" everything on it is pretty old the most recent item is from 2008. My score is 630ish across the board, not great I know. I know I can not get a prime card, apparently no one here has a sense of humor lol that's why I put "haha" after the comment about wanting a chase card..I'm just looking for someone who has expierenced this before (old baddies on their CR) who have gotten luck with an unsecured card, and which card they were able to get.
Where did you get your scores from?
I do have a pretty good sense of humor. It has just escaped me. I'm running on less than fumes.
lol no worries, I got them from here and expieran. Had several collections deleted in Oct. of last yr and had a 29 point increase and I meant to type 620ish not 630ish, my bad. Experian gave me a 616, I know thats a fako though.
@cwwatts1202 wrote:lol no worries, I got them from here and expieran. Had several collections deleted in Oct. of last yr and had a 29 point increase
Ok, cool.
Have you signed up for any CMS or SW?