Want to Raise my Credit Scores
Guest: NikkiG
Post subject: Want to Raise my Creidt Scores
Posted: Wed Mar 01, 2006 4:24 pm
Hello
I am brand new to this board and so far thanks for the great info.
I am just beginning to recover from my horrendous college spending. My scores are still terribly low (550s) due to collections, charge offs (credit cards and bank accounts). Are there any credit card companies that would extend a secured or unsecured card to me. I bank with Citibank and applied for a secured card with them but was denied due to the fact that I had collection accounts. I don't want to initiate another inquiry if I'll just be denied again. I've read about New Millenium bank but I see htat various websites have them listed as frauds.
Any help at all would be great.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: astounding
Posted: Wed Mar 01, 2006 8:21 pm
Have you tried targeted "Student" card issuers?... because
from what I've seen, some of their offers require less
requirements than a secured card.
You can also try the Liberty Union Visa Debit Card (Visa) which works like
a credit card, but it isn't one. Yes you still have the exact same
options with it as with a standard CC.
-A
_________________
Here's a GREAT FREE resource with everything you'll EVER
need to know about credit/debt management, credit cards,
and applying for the BEST one:
=> http://www.Direct-Credit-Card.com/articles.php
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: beyond platinum
Credit Expert (100+ Posts)
Posted: Thu Mar 02, 2006 3:24 am
NikkiG wrote:
Hello
I am brand new to this board and so far thanks for the great info.
I am just beginning to recover from my horrendous college spending. My scores are still terribly low (550s) due to collections, charge offs (credit cards and bank accounts).
Is this an admission of guilt or are you acknowledging that you made a mistake and damaged your credit record? You must know that your situation is really bad if you’re being turned down for a secured credit card. I hope that you have learned from this and will now begin to take responsibility for your debts. You can try First Premier Bank First Premier
I do not recommend getting a debit card or check card as they don’t report to the credit bureaus. Also, student credit cards are normally reserved for those without a credit history.
_________________
"The most incomprehensible thing about the world is that it is comprehensible." --Einstein
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor/ Administrator
Posted: Thu Mar 02, 2006 8:44 am
Quote:
I do not recommend getting a debit card or check card as they don’t report to the credit bureaus
.
The Eufora debit card actually does report to one bureau, but you have to pay an extra fee to be in their "Credit Builder" program...
_________________
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: bullwinkle29
Posted: Thu Mar 02, 2006 4:00 pm
i was in your shoe's about 6-7 years ago. my advice, pay off all of your collections and charge off's. it will take another 7 years for them to clear off your reports. i've 2 left on my reports that fall off this year. my current scores are 720, 742, 670. all of my collections were medical bills and 1 cell phone bill.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Want to Raise my Creidt Scores
Posted: Wed Mar 01, 2006 4:24 pm
Hello
I am brand new to this board and so far thanks for the great info.
I am just beginning to recover from my horrendous college spending. My scores are still terribly low (550s) due to collections, charge offs (credit cards and bank accounts). Are there any credit card companies that would extend a secured or unsecured card to me. I bank with Citibank and applied for a secured card with them but was denied due to the fact that I had collection accounts. I don't want to initiate another inquiry if I'll just be denied again. I've read about New Millenium bank but I see htat various websites have them listed as frauds.
Any help at all would be great.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: astounding
Posted: Wed Mar 01, 2006 8:21 pm
Have you tried targeted "Student" card issuers?... because
from what I've seen, some of their offers require less
requirements than a secured card.
You can also try the Liberty Union Visa Debit Card (Visa) which works like
a credit card, but it isn't one. Yes you still have the exact same
options with it as with a standard CC.
-A
_________________
Here's a GREAT FREE resource with everything you'll EVER
need to know about credit/debt management, credit cards,
and applying for the BEST one:
=> http://www.Direct-Credit-Card.com/articles.php
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: beyond platinum
Credit Expert (100+ Posts)
Posted: Thu Mar 02, 2006 3:24 am
NikkiG wrote:
Hello
I am brand new to this board and so far thanks for the great info.
I am just beginning to recover from my horrendous college spending. My scores are still terribly low (550s) due to collections, charge offs (credit cards and bank accounts).
Is this an admission of guilt or are you acknowledging that you made a mistake and damaged your credit record? You must know that your situation is really bad if you’re being turned down for a secured credit card. I hope that you have learned from this and will now begin to take responsibility for your debts. You can try First Premier Bank First Premier
I do not recommend getting a debit card or check card as they don’t report to the credit bureaus. Also, student credit cards are normally reserved for those without a credit history.
_________________
"The most incomprehensible thing about the world is that it is comprehensible." --Einstein
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor/ Administrator
Posted: Thu Mar 02, 2006 8:44 am
Quote:
I do not recommend getting a debit card or check card as they don’t report to the credit bureaus
.
The Eufora debit card actually does report to one bureau, but you have to pay an extra fee to be in their "Credit Builder" program...
_________________
Best Regards,
Curtis Arnold
Board Monitor
http://www.cardratings.com
(501) 663-0314
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: bullwinkle29
Posted: Thu Mar 02, 2006 4:00 pm
i was in your shoe's about 6-7 years ago. my advice, pay off all of your collections and charge off's. it will take another 7 years for them to clear off your reports. i've 2 left on my reports that fall off this year. my current scores are 720, 742, 670. all of my collections were medical bills and 1 cell phone bill.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 12:42 PM
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