FICO score jumps! Cap1 Reporting??

[Anonymous]

Hi all!  When I first made an effort to become aware of my credit in February I checked my score only to be blown away that I had a sad score of 602 and TWO baddies.  Both were medical bills from when I was in college and the bills were being sent to my parents, as they paid all our insurance bills etc.  Both were small ($25 & $147) so I paid them both off and requested a deletion from the collection agencies (CAC Corp & Berks) and issued a dispute with the CRA's.  I never heard back from then until today when I checked my score - both were gone and my FICO score jumped up to 694!  Hey, it's a start!

My other question is, I got approved for my first(!!) small limit ($300) card with Cap1 at the end of February and it hasn't started reporting yet, even though it has been used & paid for.  When should I expect this to start reporting?  I have never been late on a student loan or car payment and am trying to now build up revolving credit history... when is a good time for me to apply for another card and with who? 

Thanks for any feedback you can give me!

[dodfire]

Congrats!!!! 

How long have you had the Cap One? Sounds like it should report soon.

[dodfire]

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@dodfire wrote:

Congrats!!!! 

How long have you had the Cap One? Sounds like it should report soon.

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Sorry I didnt see the first time...you said the end of Feb...I would think it should have reported by now or any day now.

[lg8302ch]

for me Cap1 instantly showed "open" on my report without account number and was not reporting for like 4-6 weeks. looks to me yours should be coming this month. when is the statement cut date? if just about now it will only be a few days...

[Anonymous]

My payment due date is a few days from now, but I had paid it off immediately hoping it would report sooner .*sigh*  Oh well, it sounds like it will show up soon!

[dodfire]

As for your other question about applying for another card.

Do you have any other open lines of credit?

[Anonymous]

Nope, Cap1 was my first one, and I'm thankful they approved me so I could get started but I would like to have an idea of where I should go from here.  I have my student loans through NelNet and auto loan through PenFed but neither seem to be doing much of boosting my score since they aren't revolving accounts.  

[dodfire]

Discover

Chase

Both good places to start.

Do you have any way into NFCU? You or any member of your family active duty military or DOD?

[Anonymous]

My Grandfather, Greatgrandfather, etc are all military and/or veteran status.  My uncle is also Marines, and now works for PenFed.  I've had access to PenFed & USAA accounts for awhile, so I'm assuming I could probably qualify for a regular banking account at NFCU.  

[dodfire]

You might want to look at them....you can do a search here on the forums about NFCU and how great they are.

They proved it to me!!!! 

They are good about giving credit to people with limited or low credit. I am sure with your scores you would have no problem.