cancel
Showing results for 
Search instead for 
Did you mean: 

With THis Score is there anywhere I can get a credit card?

tag
Anonymous
Not applicable

With THis Score is there anywhere I can get a credit card?

I am currently at a 569 Transunion Score 468 Equifax an 419 Experian. I have had many medical bills on my credit file and some things that should not be there are. I am looking for a place that will extend me a credit card so that I can work towards increasing my score. Any help that anyone here can give me would be appreciated. Thanks!
Message 1 of 15
14 REPLIES 14
fused
Moderator Emeritus

Re: With THis Score is there anywhere I can get a credit card?

Check the threads highlighted in blue at the end of my post.
 
P.S. if you haven't read the scoring 101 thread, I recommend you do.
 
 
 


Message Edited by fused111 on 07-23-2007 05:20 PM
Message 2 of 15
Anonymous
Not applicable

Re: With THis Score is there anywhere I can get a credit card?

Thank you for the listings. I applied for the Capital One for damaged credit and this is the response I received. Thank you for submitting an application for a Capital One® credit card! Notification of approval status will be typically sent in 7 to 10 business days; however, in certain circumstances it may take up to 15 days. In the interim, please do not submit another application, as only the first application received will be considered valid. Questions? Review our Frequently Asked Questions. Please do not hit your browser's Back button. Does this mean that I will more then likely be denied?
Message 3 of 15
fused
Moderator Emeritus

Re: With THis Score is there anywhere I can get a credit card?



Defiant wrote:
Thank you for the listings. I applied for the Capital One for damaged credit and this is the response I received. Thank you for submitting an application for a Capital One® credit card! Notification of approval status will be typically sent in 7 to 10 business days; however, in certain circumstances it may take up to 15 days. In the interim, please do not submit another application, as only the first application received will be considered valid. Questions? Review our Frequently Asked Questions. Please do not hit your browser's Back button. Does this mean that I will more then likely be denied?

I'm not sure, I haven't done business with Cap1. I suggest you search and look through other Cap1 threads or start a new in the Credit Cards Forum asking for some assistance.
Message 4 of 15
Anonymous
Not applicable

Re: With THis Score is there anywhere I can get a credit card?

You might get a secured credit card. But I doubt it.  I also applied for a Cap 1 and was denied. I dont have naything past due. But I do have 1 collection and also a BK from 2003.  I was approved for Orchard Bank, not secured and Household Bank, not secured and also Merrick Bank  and not secured. I would check out Orchard Bank 1st they are pretty cool.
 
 Also checkout the website called  www.whogavemecredit.com   You can type in your credit scores and see what has been given to others with your credit scores. 
 
Make sure you pay all of your bills on time this really does help. I started out with scores that were 500 and now are 587 and TU is now 645. 
Good Luck and Don't give up! Smiley Happy
Message 5 of 15
Anonymous
Not applicable

Re: With THis Score is there anywhere I can get a credit card?

I got approved for an imagine master card, $300 CL, unsecured, annual fee broken down into monthly installments, $4.95 application cost.  Yay!  I plan on charging a tank of gas per month to it, waiting for it to post, and paying it off in full.  This is my first credit card since 2004, when everything was written off or closed.  I literally have no open accounts with a CL over $0 so this is going to raise my 518 score to 648-688 (as predicted by the FICO Score Simulator).
How incredible would that be?!?!
 
It should be here in a couple of days!
 
My TU is 544, it looks like they only did a hard pull on EQ
 
 
I applied here:
 
The interest rate is insane, 19.5% or something, so If you can't pay the balance in full, I wouldn't reccomend it.  I am just tyring to fill in some of the missing spots in my credit worthiness.  I am willing to pay the annual fee junk to build up my score because I am buying a house next year.
 


Message Edited by meg on 07-24-2007 12:22 PM
Message 6 of 15
Anonymous
Not applicable

Re: With THis Score is there anywhere I can get a credit card?

Well it seems that I was denied at all of these places that where recommended. I guess my credit is very very bad. I tried to order my fico score here and they said they where unable to verify my identity so I have to call them. I will call them tomorrow and we will see what happens from there.
Message 7 of 15
fused
Moderator Emeritus

Re: With THis Score is there anywhere I can get a credit card?



Defiant wrote:
I am currently at a 569 Transunion Score 468 Equifax an 419 Experian. I have had many medical bills on my credit file and some things that should not be there are. I am looking for a place that will extend me a credit card so that I can work towards increasing my score. Any help that anyone here can give me would be appreciated. Thanks!

We have to find a CCC most likely to pull TU. Which state do you live in?
Message 8 of 15
Anonymous
Not applicable

Re: With THis Score is there anywhere I can get a credit card?

I live in Wisconsin. I went to that site that you told me about and I tried applying for the ones that pulled only TU, but to no avail, maybe we can figure something out if we put our heads together?? ;-)

P.S
I just tried the imagine card and this is what it says:

P.O. Box 105341
Atlanta, GA 30348-5341

Dear Applicant:

We appreciate your recent credit card application that you made for Imagine MasterCard and regret that we are unable to favorably consider it at this time for the following reason(s):

This offer is not valid for non-U.S. residents or residents of Iowa, New York, West Virginia, Wisconsin, or Puerto Rico and other U.S. territories.

If you have additional information that could lead to reconsideration of your request, please do not hesitate to contact us at the address listed above.

Sincerely,

Revolving Credit Department

Accounts are issued by First Bank of Delaware, Member FDIC and serviced primarily by CompuCredit Corporation on behalf of First Bank of Delaware, Member FDIC.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with the law concerning creditors is the Federal Deposit Insurance Corporation/ Consumer Response Center, 2345 Grand Boulevard, Suite 100, Kansas City, Missouri 64108.

The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

Message Edited by Defiant on 07-24-2007 07:34 PM
Message 9 of 15
fused
Moderator Emeritus

Re: With THis Score is there anywhere I can get a credit card?

Defiant:
 
Try this link. See if BOA will pre-approve you for something. They will only do a soft pull. If this doesn't work, we better start cleaning-up your CRs.
 
Message 10 of 15
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.