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Giving TU and EQ scores only sound like you found them at Credit Karma. If so, Vantage Scores are for the most part worthless. If you want to know what your FICO scores are you can go to the following.
CreditCheckTotal will give you all three FICO scores for $1 trial. Just be sure to cancel the trial before they charge your credit card for the full month's subscription. Otherwise, CreditCheckTotal.com will give you free Experian FICO Scores and Discover.com/free-credit-score/ will give you free TransUnion FICO Scores.
I posted yesterday about my success with Discover. My CreditKarma scores were similar but they had a prequalify site.
Might check to see........
I recently got the CitiSecured as well. It's been pretty good to me.
It took a little longer to report to the 3 CRAs for me (longer than any of my other starter cards), but got there eventually. You also get a free FICO score from them, but please keep in mind that it's the Bankcard Score 8 (from EQ) not the "regular" FICO Score 8.
As for CCT, I use the virtual credit card number from Citi, so if I forget to cancel in time, I don't have to worry about it.
I read (here at MyFico) that it's one of the more conservative banks, so I wanted to start a relationship with them. I'm looking forward to seeing how it works out.
Has anyone had any experiences using the citi secured card. Looking forward to rebuilding my credit my credit.
Current scores are at 524 Transunion and 562 Equifax.
Way to go on the rebuilding journey. Three things:
1. Def get the real FICO scores when you can. The difference is huge.
2. The Citi card is a solid secured card. Have it myself.
3. We’re collecting approval stats to help out other rebuilders when considering whether to add the inquiry to their report: https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Card-Approval-Stats/m-p/5393276/high...
Congratulations on your approval!
It took a little longer to report to the 3 CRAs for me (longer than any of my other starter cards), but got there eventually.
My Citi account took over 60 days before it started reporting to the credit bureaus. When my account did begin reporting, it reported from the month opened.