My successes:)

[danelleo]

I think I will talk with my dear husband and see if I can hold him off... I'd like to get our credit building as much as possible.

I applied for a Secured card through Bank of America. It said it will take 7-10 days to get here. I started out the credit line at $300... We will probably put about $100 a month onto it...

We are trying to rebuild our credit... It's sorta crappy and I want to have some positive credit showing and I want to show that our repayment is positive.

[danelleo]

How good of credit do you have to have to get like a Target card or Wal Mart card?

[Trish]

Just going to put in my 2 cents on Orchard. I'm a little pissy with them.

I called to see about switching my dh's secured MC to an unsecured card. He has had the card for over 2 years now and we have made payments on time every month.
They told me that they no longer switch secured cards to unsecured and if he wanted an unsecured, he would have to just apply for one. (which means it would be a brand new TL that would have to age) Ugh. So I applied for one for him.........they declined him because he has too many HSBC cards! wtf? He has the orchard card and then an hsbc/nautilus card. So 2 is the limit? Wow. :mad:

So....anyway (vent over) I'm a little irritated about that. They actually are a good starter card......but just know you can't switch it to an unsecured in the future.

And p.s. danelleo......this thread has gone way off topic (not so much about success anymore) which I am guilty for too....:p....so if you want me to make part of this into another thread I can do that. It's up to you since you're the OP.

[Trish]

Originally Posted by danelleo

How good of credit do you have to have to get like a Target card or Wal Mart card?

Our scores were in the 560 range when we got Target and WalMart.

[jjgross]

Originally Posted by Trish

Our scores were in the 560 range when we got Target and WalMart.

:confused:I just got turned down by wal-mart my scores are 658-620-665,My spouse just got an orchard with 0% interest 300 cl

[Trish]

Originally Posted by jjgross

:confused:I just got turned down by wal-mart my scores are 658-620-665,My spouse just got an orchard with 0% interest 300 cl

Walmart is WEIRD.....I am now anti-Walmart. :p
But I looked just to make sure (I had entered it into a database) and I was approved for a WM card with a score of 584 - now that is a FAKO........but I figured it was pretty close to that either way. Oh.....and I only got a $75 CL......so it was pretty much useless. I closed it very shortly after that. :rolleyes:

[danelleo]

I just got an email from Experian and I got my husbands old addresses removed from his file! Small steps I tell ya will equal big steps! I'm pretty excited. Good way to start my Friday!

[jjgross]

Originally Posted by danelleo

I just got an email from Experian and I got my husbands old addresses removed from his file! Small steps I tell ya will equal big steps! I'm pretty excited. Good way to start my Friday!

See what we said you have to take a step before you walk,and walk before you run,like i said before your in it for the long run,and take what you learn and help others find us.good luck and good job.

[improving]

Great job! Keep reporting your "successes" for all to see! Every little bit adds up!

[danelleo]

I just got notification, I got 4 of the 6 collections on my husbands Equifax removed! I'm so excited!