Need help on adding another card, currently rebuidling credit

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neptunejcw
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Need help on adding another card, currently rebuidling credit

Postby neptunejcw » Sat May 04, 2013 9:39 am

I have a 659Fako, 657Equifax & 687Transunion credit scores. I have some collections I think 3maybe 4, all paid off. Judgment from Capitol One also paid off. I'm considering trying to find a credit card company that pulls Equifax because I have no inquiries on that report. I live in Indiana but what do think I have a shot at getting? I have a 5/3 secured card 1k limit for almost 5months, a 1st premier card 2 years 300CL & also a secured loan from credit union that is paid off that gave me. 12 point increase...


namvet
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Postby namvet » Sat May 04, 2013 11:11 am

Try discover. It was a EQ pull for me.

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djrez4
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Postby djrez4 » Sat May 04, 2013 2:24 pm

I think you should wait at the very least until the 5/3 card is a year old.

How old are the collections and judgment? Will they be dropping off soon?
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mdl28
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Postby mdl28 » Sat May 04, 2013 9:24 pm

Capital one... its a last resort but at least its the best of the worst. Get in with them, low annual fee and it will help so stable constent reliability. After 6 months try for a chase freedom, BofA, or anither higer tier Cap one
MDL

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mdl28
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Postby mdl28 » Sat May 04, 2013 9:26 pm

Sorry I meant to say as long as you are square with cap one which it sounds like you are.
djrez4 wrote:I think you should wait at the very least until the 5/3 card is a year old.

How old are the collections and judgment? Will they be dropping off soon?
MDL

Amex Gold Prem'r
Amex BCP
Amex Green
Barclays Ring Platinum MasterCard
Citi Diamond Pref'd
Chase Sapphire Pref'd Visa Signature
Chase Freedom MasterCard
Discover It
New York Life Visa Signature

neptunejcw
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Location: Indiana

Postby neptunejcw » Sun May 05, 2013 7:05 pm

I have another collection falling off in June, 1 in Dec.2014 & another in Jan 2015. I thought about Capitol One just to get back in there good graces but I know they pull all 3. Discover might be who I try. HopeFULLY I can slide through the cracks or get through on recon



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