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How Can I Rebuild My Credit When I Cannot Get A Secured Card

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Anonymous
Not applicable
‎11-29-2011 01:08 PM
‎11-29-2011 01:08 PM

How Can I Rebuild My Credit When I Cannot Get A Secured Card

How can I rebuilt my credit if I keep getting declined on secured card..?? really SECURED CARD?? even when my score is'nt that bad 680.. can anyone's help me..ANY ANSWER IS APPRECIATE.THANK YOUWoman Sad

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Anonymous
Not applicable
‎11-29-2011 01:55 PM
‎11-29-2011 01:55 PM

Re: How Can I Rebuild My Credit When I Cannot Get A Secured Card

@Anonymous wrote:

How can I rebuilt my credit if I keep getting declined on secured card..?? really SECURED CARD?? even when my score is'nt that bad 680.. can anyone's help me..ANY ANSWER IS APPRECIATE.THANK YOUWoman Sad

Who have you tried to get a secured card with?

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hoping2rebuild
Established Contributor
‎11-29-2011 01:57 PM
‎11-29-2011 01:57 PM

Re: How Can I Rebuild My Credit When I Cannot Get A Secured Card

@Anonymous wrote:

How can I rebuilt my credit if I keep getting declined on secured card..?? really SECURED CARD?? even when my score is'nt that bad 680.. can anyone's help me..ANY ANSWER IS APPRECIATE.THANK YOUWoman Sad

Where did you get your credit score?


What secured cards have you applied for?


What kind of baddies do you have on your CR?

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
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Anonymous
Not applicable
‎11-30-2011 04:13 PM
‎11-30-2011 04:13 PM

Re: How Can I Rebuild My Credit When I Cannot Get A Secured Card

I'm curious as well because a 680 isn't great but it isn't that bad either... 

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hoping2rebuild
Established Contributor
‎12-01-2011 11:52 AM
‎12-01-2011 11:52 AM

Re: How Can I Rebuild My Credit When I Cannot Get A Secured Card

@Anonymous wrote:

I'm curious as well because a 680 isn't great but it isn't that bad either... 

That's what I was thinking too I have scores much lower then 680 and I have been approved for:

 

Cap 1 secured

5/3 secured

US Bank secured

 

and I have quite a few baddies on my CR

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
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mAndrew1980
Established Contributor
‎12-01-2011 12:28 PM
‎12-01-2011 12:28 PM

Re: How Can I Rebuild My Credit When I Cannot Get A Secured Card

My scores are in the 680-690 range and I've been approved for three unsecured cards:

Barclays Apples   $2K CL

Cap1 Platinum     $500 CL

Cap1 Cash Back  $500CL

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



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casmith1980
Established Contributor
‎12-01-2011 12:49 PM
‎12-01-2011 12:49 PM

Re: How Can I Rebuild My Credit When I Cannot Get A Secured Card

I'm assuming the 680 score is a FAKO.  Heck - a 620 score can get you a mortgage...

Filed BK 12/5/14
341 meeting 1/9/15
Anticipated discharge 3/10/15

Goal: 700 by 3/2017
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