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Credit Cards

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Credit Cards

What are some good credit cards to help rebuild credit besides secured cards and capital 1?
Message 1 of 8
7 REPLIES 7
Super Contributor

Re: Credit Cards

Need data points that led to the rebuild. Basically its secured or Cap1 yes. Once we know more details then we can help. Fire away!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 2 of 8
Established Member

Re: Credit Cards

TU 560, EXP 568, EQU 565.
I have a few collections, however, I am in the process of clearing them up. Also, I already have a secured Cap 1 card. I was looking for another credit card besides a secure. What more information do you need?
Message 3 of 8
Established Contributor

Re: Credit Cards

Did you try and prequalify on discover website? Its going to be hard to get a unsecure Card with your scores.






Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


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Message 4 of 8
Super Contributor

Re: Credit Cards


@prettyg31 wrote:
TU 560, EXP 568, EQU 565.
I have a few collections, however, I am in the process of clearing them up. Also, I already have a secured Cap 1 card. I was looking for another credit card besides a secure. What more information do you need?

Thats great your cleaning up the collections. What cards did you have before or loans. What are the collections for. Charge offs, med bills. The more we know the more we can help lead you in the right direction. Giving us 1 secured card and a few collections isnt enough info. Were here to help!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 5 of 8
Established Member

Re: Credit Cards

8 student loans in deferred
- 2 capital 1 cards (not in collection but is charged off
-jcpenney ( collections)
-2 walmart cards (in collection)
-car insurance(collection
- cable bill (collection)
- hospital bill(collection
Message 6 of 8
Super Contributor

Re: Credit Cards

Thanks for the DP's. TBH. You'll have to clean up your past to get to the future. Right now in this point in time. You more than likely will have to go the secured route. If Cap1 only offered a secured card. Getting another lender to approve a unsecured is highly unlikely. More credit wont fix what's holding you down. Need to work on the baddies first. Then more doors will open for you. Good Luck!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC at 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game. Pay it Forward!
Message 7 of 8
Established Contributor

Re: Credit Cards

See if you can contact those collection agencies and offer a pay for delete. Depending on the collection agency it may or may not work. I've found medical collections are the easiest to remove. I have a cable on mine that I settled but the agency refused to delete. What are the dates of the collections... or more importantly, the dates of your last on time payment with each?
January 2020
Experian Fico 08 666
Transunion Fico 08 689
Equifax Fico 08 695

Capital one Quicksilver -- $600
Credit One - $300 (soon to close)
Capital one Quicksilver one - $2250
Discover IT Cash back - $11,500
PNC cash rewards Signature Visa - $12,500
Chase Southwest Rapid rewards Signature Visa - $6900

All cards opened between Oct 2018 - Nov 2019
Income varies: $60,000 - $80,000
Message 8 of 8
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