Separate names with a comma.
Discussion in 'Credit Talk' started by author_22, Aug 25, 2001.
Should I even bother pleading my case?
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
Green Dot primor® Visa®Classic Secured Credit Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit.
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
Why not... If it's Equifax, theres no way to get the inquiry off your record anyway. Does the MC show as secured? If not, don't tell them. Worth another shot in my opinion.
Call Equifax first to see if they did delete the info. Tell them you want to check the status of an investigation. They should be able to tell you if the accounts are reporting over the telephone.
Sometimes with credit issuers they only list the most improtant factors in their decision. Some companies have certain criteria which must be met first before other factors can be even used. For example Household may first verify that you have had a line of credit for more than x years and if you hadn't then they won't even proceed any further. I'm not sure if this is the case with Household but it is common among creditors. You could plead your case but first check and see if those derogs are deleted, because if you do plead your case and then they look further into your CR then they may not be able to work with you.
My advice would be to forget Household for the time being. Just celebrate if the derogs are really gone, and wait until you reach the "two accounts for two years" stage. Then you won't need Household anyway.
I really don't think it will be a problem getting unsecured subprime cards, approximately as good as the Household card you wanted. They will come to you, inundating you with offers in the mail as soon as you meet their criteria.
One of the characteristics of a prime bank is good customer service. In that sense, a Citibank or Amex card with a high interest rate and a low limit is still a prime card. But Household isn't a prime bank, and has never been known for good service.
Good service would include reconsidering applications in a fair and professional manner. In my opinion, Household just isn't at that level of service. There are lots of other banks that could get you started with an unsecured card, probably sooner than Household would. My advice would be to get something else started as soon as possible, so the established accounts help you qualify for prime credit as soon as possible.