I finally got approved for an unsecured card. just two months ago i was denied a secured card from assosiates bank. acouple weeks ago i applied for an unsecured card from household bank . well nothing had come in the mail yet so today i called them. they said it was approved and the card was sent yesterday. for a limit of $300. i know its not much but its a start. either they use their own scoring method or they something other than trans union. becuase my score with them is only 478. i dont know what my other scores are. it must have helped that i havent used a card for two years and i just paid off 4 cards. i just have two left to pay off. i'm very excited all my hard work has paid off.
Congrats My first card was a $300 Cap 1. Now I have upwards of a 12K Citibank you are well on your way
Don't worry about the limit; you only need the opportunity to prove yourself, then move on to a better CC.
Congrats SL - now you are on yur way. Yes they are a good credit reference and will increase - you're DOIN IT! aarrff - dogman
Great job, I am just starting again myself and it is wonderful. May both of us be smart with our fresh start!
this morning i found out that they checked my experian credit report to approve the card. when i checked my report this morning i found that just about everything on it was incorrect and i disputed the entire report. it had several accounts listed twice and my balances for every account hadnt been updated for about a year. i have paid off several accounts since then. do you think if i call them and tell them my report was incorrect they may up the credit limit or revoke the approval because it was based on incorrect info.
