need advice on this

[Anonymous]

I am trying to rebuild my credit, and I now have two credit cards. Target card with a 200 CL, and Continental Finance..I know these are lousy cards, but with my Fico scores..that's all I can get. I recently rec'd an offer in the mail for a First Premeir CC...My question is should get another cc to help with my scores.or should I forget about this lousy card too..I have only had my Target card for one month, and I have paid the balance on that in full..Please help..

Fico's as of 11-01-2007

TU-463

EQ-463

EXP-582

Thanks badcredit1  

[Anonymous]

Hi badcredit 1  

after i  look  to your credit score  thru EXP it seems to me that you might  get a credit thru orchard bank ,and they are much better then first premeir bank in my opinon ,because i used to have them before ,and they have soooo many fees . 

Good luck  .

[Anonymous]

Thanks..I will try Orchard first..thanks for your input.

[Anonymous]

also for your info orchard bank approved me for $ 500 credit line,and  $24 annual fee after my BK was discharge by 3 months ,and do not forget capital one they are good too . 

good luck .

Message Edited by creditdream on 12-11-2007 09:17 AM

[Anonymous]

I just applied for the Orchard card, and I was only approved for the secured card. I guess I will go with that for now. The annual fee is $35.00.Still better than First Premier I guess.

Thanks

[Anonymous]

I agree bcg. First Premier is outrageous in their fees. It's wonderful for people who can absolutely cannot get anything else. You'll be happier with Orchard.

You may want to try Cap1. I started with them, and they've been good to me.

[Red1Blue]

I would stay away from First Premier and Crap1 at any cost.

[Anonymous]

I would definately stay away from First Premier and Credit One. I'm only saying this because I have both and can't wait to get rid of them.

I would however recommend the BOA secured card (99/500 if you can get it or fully secured). Either one would be a good option for you.

[jackg]

badcredit1,

Now that you have 3 accts. my suggestion is patience. Let them age, 12 months, and in the meantime do your home work here by reading up on the basics of credit repair.

Good Luck