@Lewisa410,
You said store card and not major credit so this does not directly sneer your question. But have you tried Discover? On their site you can check to see if you can pre qualify for a card and its only a soft inquiry. They ask a couple of basic/standard questions and you will have to provide last 4 of SSN.
Good luck
You said store card and not major credit so this does not directly sneer your question. But have you tried Discover? On their site you can check to see if you can pre qualify for a card and its only a soft inquiry. They ask a couple of basic/standard questions and you will have to provide last 4 of SSN.
Good luck
@Lewisa410 wrote:
My credit history includes delinquent accounts and a repossession. Currently I have the repossession, a new car loan, an indigo cc, self lender loan, and 12 hard pulls. What are some suggested revolving accounts. Today I was also approved for a capitol one quicksilver cc.
If you just got approved. Its best to spread apps out. Check Disco pre-qual. If its a no go. Wait 6 months then ty again. Dont try the SCT it's a HP now. No more tricks.
Thats why were here to help. You need 3 revolvers secured or unsecured in time. Just doesnt have to be like right now. Stores card are looked down upon by some lenders. So you have 2 cards and a car loan. Use the cards. Only let 1 card report a balance of 5 bucks. The other PIF each month. As I posted earlier. Try Disco. If no go. Wait 6 months and try again. Time to let those accounts age and mostly the 12 inq's are a tad too many in a short period. With the repo and not knowing the other derogs. Work on cleaning them up if you can. In time you'll get there. But slow and steady wins the race. Took me 3 yrs to get where I'm at. And I stopped 6 months ago. No need for anything else. You can do it. Best thing is to ask here before you make any moves. Many have been in your shoes. Dont hesitate to ask. Good Luck!
Pay in full each month
Starting Score: 494 503 521
