is crown jewelers hard to get?

[Anonymous]

Hi everyone

It seems my credit is slooowly creeping up.  But I have very few open accounts.  I am wondering if I should try to open a new TL.   

EX is my best score and I am in Florida.  Any suggestions??

Thanks!

[Anonymous]

---

neednewcredit wrote:

Hi everyone

It seems my credit is slooowly creeping up.  But I have very few open accounts.  I am wondering if I should try to open a new TL.   

EX is my best score and I am in Florida.  Any suggestions??

Thanks!

---

Suggestions would depend on your scores and history / baddies / etc.  You haven't provided enough information to give any recommendations.

To answer the question in your thread's title: Crown Jewelers will give a $1500 line to anyone who can prove they have a job.  They do not do a credit check to open an account, they will not report unless you make a purchase, and they do not report to EQ at all.

[modernsurrender]

CJ is incredibly easy to get, you do have to make a purchase before they'll report though.  As for the rest I don't know a lot about FL but my EX inq's are BofA, HSBC (Orchard secured card), and Amex (I app'd with them before signing up here just because I was bored at the airport and wanted the little pilot bear for my son lol).

[Anonymous]

my EQ is 552   EX  611   TU 490

I have 3 charged off accounts    

DOFD  7/2001    1563 balance

DOFD  6/2001    0 balance

DOFD  2/2005    o balance    paid 9/2005

Wells Fargo   never late   closed  DOLA 5/2002

Auto Loan   paid/closed   9/2005 was past due 60 days

Installment Loan  DOLA  8/2001  never late/closed

Installment Loan  DOLA  5/2000  never late/closed

dept store   paid as agreed 0 blance closed

I also have 5 collections

revolving account   limit 1000.00   balance  450.00 pays as agreed (was 30 days late 12/2006) open

cc    limit 900.00    balance 47.00     was 120 past due 4/2005    not late since  

cc    limit 400.00    balance  43.00    open/never late

installment  limit 2513.00  balance  985.00 opened 9/2006 never late

The last four accounts are really the only ones I have open

I am working on GW's and PFD's.  A couple of things will come off in a few months.

Looks pretty bad.....slow improvements are being made though.  Gotta keep focused.

[Anonymous]

I would suggest a secured card, either from Orchard or from a local CU.

I doubt you would qualify for BofA Secured or one of the other major lenders' secured cards.  Although Orchard won't grow with you, it is a decent option for a secured card if you can't get anything else because it has a low AF and won't kill you with other fees.

If you desperately need a positive TL, CJ is also an option.

[Creditaddict]

Just spent $47.00 on my new Crown Jewelers card, think that's enough to be considered activated and get it to report to credit report!?!