Here is a quick one for you since I can't find it on the search menu as instructed: At what Fico score can I get a certain card? For instance, I have a fico of 583 through experian, can I apply for a bank one card since they "only" (correct me if I am wrong) check experian? Should I wait a couple months till I am at 600 to apply? If someone has or could formulate a breakdown like this: 580- xxx card that I should apply for 600- xxx card that I should apply for 615- ect... or whatever the jumps are in fico scores that will allow me get an approval... let me be another person to say this: I APPRECIATE YOU GUYS and GALS!! I only wish I would have found you sooner...
I like your sig - good sense of humor you will need it! Not a FICO guru, but it will probably help to know what your derogs are. BK? Unpaid CO's? Just maxed out with what you have? I do know from reading that most cards aren't JUST score driven, some won't touch you with BK, some will, etc.
I dunno. You could probably get Providian and Capital one with those scores since they tend to give cards to people in the rebuilding phase.
Try Orchard. I just got a non-secured one with $1000 CL with a discharged chapter 7 and fico of 600-620. Good Luck.
Refer to comment http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=381709#post381709 for my pathetic credit history. I personally would have no problem posting my credit for all to view and comment on, do you know if I can copy and paste onto the discussion board? would it work? I could also save them to a word doc, but where would I save the file for all to view and comment on? I realize that the main way to fix credit is to pay on time and have a decent track record, but now I think my main goal is trying to get the derog. stuff off my credit. I still have 2 chargeoffs on there. One from Providain and 1 from Amex. Any ideas on what I should do with them? How much does a chargeoff lower my FICO score? After reading a tonne of message board topics, I have come to the conclusion that I need to work out an agreement where they will delete the derog off my report, however, what is the proper way to deal with the paperwork? Have them send me a letter stating that they will delete once I pay in full? How should I do that? I know I was at fault for the collection item, but the convincing them to delete it is another matter. There are many templates that I have read and that I could send, but I would just like to have a clearer picture of the process of paying a collection. Can someone post a thread that I should read? Thanks people! You all rule!
Re: Re: Oh Guru's Of Fico Score.... No Mongrol. You don't wanna do that. It's just too much information. You do need to maintain a little secrecy with your specific TL's. .
Re: Re: Oh Guru's Of Fico Score.... i dont mean to give you bad news but with recent charge offs like that, you probably cant get unsecured credit cards now. first work on getting the charge offs off your report. i dont know a lot about that. you can first send letters to validate then later dispute with the cra's. like said before, credit cards arent just based on fico usually. also the charge offs and lates are hurting your score a lot. first work on the credit report. get to at least a 620, then apply for subprime cards. that should also give you a little time to get things together and not continue in a credit destroying path. good luck.
Re: Re: Oh Guru's Of Fico Score.... what is the proper way to work the deal out with the credit companies? I have no problem right now paying them back over time, but I want it totally off all three reports if I pay it off. What is a link or to a discussion on the way to handle the paperwork for this type of agreement?
