Have you tried the Disco pre-qual yet? Ignore any simulators. They're not accurate. Do you know your FICO scores?
With scores around 600, then I think you should just sit tight with what you have and let things age. Regardless of the lender, then you are likely going to be looking at a low limit or secured cards. Just keep your reported utilization down on your cards and you should start to see some improvement.
What baddies do you have on your reports that are keeping your scores down? While they are aging you should try to see if you can get those off, if post them all out then someone will be able to give you some pointers on how to clear them up.
You did not mention any loan, do you have any installment reporting? If not, then you may want to look into a secured savings loan or something similar to fix your mix.
Yeah I've tried discover but I only get offer for secured. All my fico scores are around 600. Does anyone have experience with getting a second capital one card, what was their starting limit? If mine would be $500 I would prefer that than paying $200 for a secured, that money could be used toward a negative account or something.
I think minimum deposit for Disco is $200.00. If you change your mind later, they allow more money be added to the deposit.
No clue what your limit would be on second Cap One starter card, probably $300, but why apply for second starter card that wont go anywhere?
If you feel like you must apply for another card, Disco is the way to go.
I have the QuicksilverOne with a $500 limit. If I get the platinum will I have a starting limit of $500? Or could it be more or only $300? Also on Experian fico score simulator it says if I get a card with $500 limit my score will go up 5 points, does that sound right? What do you guys think, thanks in advance!
Completely depends. Might even be higher (might not).
My first two Plat Cap One cards after rebuilt started were $3k each.
My next two were $10k each.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!5% Rotating - Discover 5%-20% - Amazon & Lowes 3-6% Groceries - NFCU & Amex Preferred
You definitely want to sit tight and finish out that rehab.
Along with giving your accounts even more time to age, and more time to get your derogs taken care of, that SL reporting positive will help your score.
Hold on there, you're doing fine
As for the PFD: It's rare (if it happens at all) that the original creditor will do a PFD. If you can negotiate for a settlement, or pay it in full, at least it will stop reporting and the derogatory mark can start aging and affecting your score less.