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I'm beginning to rebuild my credit after being young and dumb.
I have one card right now, a Capital One with $500 limit unsecured.
My scores are:
Experian: 575
Transunion: 591
Equifax: 618
What NFCU products should I apply for to help with my rebuild?
I see, I figured it was just based on scores.
I have 3 accounts charged off and in collections.
Kohls Card - Charged off 11/2014
Victoria's Secret - Charged off 7/2015
Utility Company - collection since 12/2016 (I will dispute this one though)
@Anonymous wrote:I see, I figured it was just based on scores.
I have 3 accounts charged off and in collections.
Kohls Card - Charged off 11/2014
Victoria's Secret - Charged off 7/2015
Utility Company - collection since 12/2016 (I will dispute this one though)
I applied with a TU FICO of 648 and a EQ FICO of 654 and they declined me due to the charge offs from 2014.
My chances aren't looking too good.
Anyone know if I can apply for an unsecured card use the same pull to get a secured card if I'm denied?
I would try if I was you. I got approved for a $35k auto loan, $24K CC, and a $15K CLOC with scores similiar to yours with 1 chargeoff and 1 collection reporting.
@Anonymous wrote:I would try if I was you. I got approved for a $35k auto loan, $24K CC, and a $15K CLOC with scores similiar to yours with 1 chargeoff and 1 collection reporting.
Wow. You must have good income?