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    Bakersfield, CA

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  1. Thanks for the advice. I did the $3K max and proceeded to run $2,500 up on it last billing cycle and I paid it off in full, as I plan to each month.
  2. I have zero open lines of credit right now except for a new OpenSky secured CC from Capital Bank that I opened last month. My first OK payment just reported this month. I'm in the middle of fixing my credit. I still have 4 collections and thankfully I have several closed accounts that had perfect payment history still reporting. My question, it looks like OpenSky allows you to have multiple secured credit cards with them. Would it be a good idea, considering my circumstance, to open a second account with them just to have 2 open lines of credit both reporting OK? These don't report as secured on my reports but since they are from the same bank, would there be zero point? Thanks!
  3. Actually, I read multiple places online that you can increase it by adding to your security deposit up to the $3,000 max.
  4. OpenSky approved me no problem. I'm going to do the max $3,000 so it helps me as much as possible. Thanks!
  5. I looked at Discover and they say their secured card is for building, not rebuilding credit. Also, I had a card with them that went into default 5 years ago as well. Never had a WF. Maybe I just need to wait another couple years 😕
  6. I applied for a Capital One secured yesterday after making this post, and was denied. I don't think I'll even bother with the B of A secured if it's harder to get. Maybe the Wells Fargo secured?
  7. I just reopened a checking account with B of A and would like to apply for my first secured CC with them. However, on my CRs I still have my old credit card from them over 5 years ago showing that I had to walk away from. What are the chances they will approve me for a secured card after this amount of time still having a Derogatory Collection/Chargeoff showing for them? I was going to try and go for $2,500 secured so they feel warm and fuzzy about it. Are they like what I read about Capital One being, where they will give you a second chance no problem? Or are my chances so slim that I shouldn't waste the inquiry? Thanks!
  8. They did this for me over a month ago via phone. I received the confirmation letter it was gone from all reports in less than a week.
  9. It was of course by snail mail and using the template that's been on this site for 10+ years that I've used in the past.
  10. It doesn't show charged off but shows "in collection" and is being reported by a 3rd party CA. It was 5 years ago that I walked away from it losing my job. Do you think that may still qualify me? For that matter, Discover offers a secured card too. It does show charged off and Discover is the one still reporting it. 5 years old just like the CapOne tho, think they would have me back? I also found that Citi offers a secured card so I was thinking about calling them to apply for the unsecured and doing their secured if I'm denied.
  11. Now that I have gotten my FAKO scores up to just below 600, I think I'm ready to apply for a couple secured credit cards to start rebuilding my credit history. I could just do a Google search, but I'm asking my fellow CB members because I'd like recommendations on cards/providers that meet the following 2 criteria: 1) Offer non-secured cards, but upon being denied (IF I'm denied) will for offer me a secured option so I didn't waste the credit pull. 2) Will allow me to convert my secured card into a non-secured after a year or whatever. I don't mind if they pull my credit again, but I'd like the account number to stay the same for the sake of account age going in my favor. Here is a list of banks I have burned bridges with in the past which wouldn't work for me: Bank of America Capital One GE Capital Bank (Chevron card) Discover Thanks a lot!
  12. I've had a streak of good and bad luck. The good: 1 collection fell off from age, 1 was removed when disputing with the CA, and 2 were removed in successful "pay for delete" agreements. The bad I need help with, 4 that were disputed with all CRAs and verified and remain, by all CRAs! Wow, I've never had such bad luck with CRA disputes over the past 2 decades I'm going to need to advice on what to try next, please. Here are the details: 2 credit cards that are charged off and are due to age off in Aug of 2020 1 jewellery store that is charged off and due to age off in Sept 2020 1 auto loan that turned derogatory and into a charge off due to age off in Sept of 2022 (it is not showing a repo, I gave it back to them when I lost my job and moved out the country for work) I also have 5 other collections which I sent the CAs the "statute of limitation" letters on so hopefully they will stop updating my CRs (1 has so far). Once I see that they have, then I'll dispute those with the CRAs. So, far as the 4 above I detailed that were verified, what should I try next to get them removed? I'm not sure what to try next. Thanks!

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