What do I qualify for?

[Anonymous]

My Fico Equifax is 544 I was wondering if anyone knows what types of loans/ credit cards I could be approved for. I currently have secured first premier, credit one bank unsecured, and fingerhut account.

[jesseh]

Not much, Fico under 550 is considered pretty poor.

What are your cards currently reporting? If you're not doing so already,: reporting $0 on all-but-one cards and <10% util on one card could get your score up fast.

When your score is >570 you might be able to get a 39$ AF Cap1 QuicksilverOne, which is a pretty good card.

Getting your util straight and treating your credit lines well, will put you in a much better position

[Anonymous]

Thank you that information was very usefull all my cards are reporting under 30 % utilization ratio which is what I was previously told to do my credit went up 39 points a few days ago I started at a 429 after a divorce I have gotten many items removed and even some inquires removed. What is an AF card?

[alvon123]

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@Anonymous wrote:

Thank you that information was very usefull all my cards are reporting under 30 % utilization ratio which is what I was previously told to do my credit went up 39 points a few days ago I started at a 429 after a divorce I have gotten many items removed and even some inquires removed. What is an AF card?

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Annual fee (yearly fee)

[Anonymous]

Thank you thats not too bad of a fee First Premiers annual fee is $75.00

[CenturyChild]

You could maybe try something like Kay Jewelers or Jareds but ....

You might be better off at this point just paying on time, watch utility and give it about a year.  Keep working on cleaning up negatives if you have any and are able.

Tthen go for something like the Cap One QS as already mentioned.

Once you get it, I would close out that FP card.