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I Need Info Specifically Related to No-Credit-Score Credit Opportunities

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I have been informed by all 3 credit bureaus that due to a lack of activity, they cannot generate a score for me. For years, I believed that I had toilet-bow bad credit because I've always been turned down for credit. I have had a lot of medical collections on my reports over the past 9 years or so and about 2 student loans (at 2 seperate times and one of which I paid off completely in about the year 2012 or so). Currently, I have less than $3,000 in debt, about 7 medical collections, 1 or 2 student loans, and about 17 hard inquiries total between all 3 bureaus. All collections on my credit report is at least 5 years old. About 3 of those hard inquries are within the last 2 months, the other ones are at least 6 months old (Had I known Carmax would pull my credit multiple times, I wouldnt've have used them to try and purchase a vehicle; this is where a lot of those hard pulls came from!). I currently have a decent income and have very few monthly expenses (no rent/mortgage, daycare, car note, etc.- just my phone bill, groceries (for 1), and very minimal budget for clothes, entertainment and misc.

 

My question is, is there a non-secured credit card that I am likely to be approved for/is geared for people like me with old collections, a moderate number of inquiries, no credit score, but a decent income?

 

I just recieved an OpenSky Secured card ($200 deposit and $200 limit) and I am waiting on my Capital One Secured card ($250 deposit and $350 limit) to come in the mail.

 

Thanks in advance, everyone!

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welcome to CB!

 

don't worry about inquiries.

 

You should wait until the new secured cards report for 6 moths.

 

do you have hard copies of your reports from all four major CRAs? You need to start working on the negative items that are still reporting.

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1 hour ago, hegemony said:

welcome to CB!

 

don't worry about inquiries.

 

You should wait until the new secured cards report for 6 moths.

 

do you have hard copies of your reports from all four major CRAs? You need to start working on the negative items that are still reporting.

Thank you!! 🙂

 

I don't have hard copies but I did get screenshots but can't find them... I have a gameplan for the negatives; plan is in execution.

 

Thanks for the feedback and wuick response!

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