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Offline DS

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Credit Questions
« on: March 11, 2013, 11:47:48 AM »
I'm pretty new to this whole credit card/points endeavor.  I was married once before and my ex husband really messed up my credit - BAD. And though it is his responsibility to clear my credit, it's been more than 10 years and he hasnt done anything, so chances are he aint gonna fix it now.  As such, I don't have very good credit, but would still like to get approved for a credit card. Can anyone please give me some tips as to how I can best achieve this goal?

Thanks,

DS
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Offline judahk88

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Re: Credit Questions
« Reply #1 on: March 11, 2013, 11:50:16 AM »
Quote from: DS on March 11, 2013, 11:47:48 AM
I'm pretty new to this whole credit card/points endeavor.  I was married once before and my ex husband really messed up my credit - BAD. And though it is his responsibility to clear my credit, it's been more than 10 years and he hasnt done anything, so chances are he aint gonna fix it now.  As such, I don't have very good credit, but would still like to get approved for a credit card. Can anyone please give me some tips as to how I can best achieve this goal?

Thanks,

DS
Welcome to the forums. You can try doing a search and Im sure your question will be answered.
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Offline DS

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Re: Credit Questions
« Reply #2 on: March 11, 2013, 11:53:58 AM »
Search where, for ex? Sorry, new to this board.

TIA
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Offline ez1985

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Re: Credit Questions
« Reply #3 on: March 11, 2013, 11:54:54 AM »
Someone I know had really bad credit based on a few settlements he made with chase about 4 years ago.  It messed up his creditreally bad.  I got him approved last week for the southwest rapid rewards plus card.  He got declined and I called reconsideration and explained why he had to settle and that he is much better off now.  I asked them to approve it with as low a credit line as possible so it wouldn't be such a big risk for them.  They agreed and approved it as a standard visa as opposed to Visa Signature which needs to be $5000 credit line or more.

I think if you explain to them why your credit is messed up and that it is so long ago, maybe they'll go for it. 
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Offline judahk88

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Re: Credit Questions
« Reply #4 on: March 11, 2013, 11:57:00 AM »
Quote from: DS on March 11, 2013, 11:53:58 AM
Search where, for ex? Sorry, new to this board.

TIA
There is a search bar on the top right corner...
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Offline mmermss

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Re: Credit Questions
« Reply #5 on: March 11, 2013, 11:57:13 AM »
Quote from: DS on March 11, 2013, 11:53:58 AM
Search where, for ex? Sorry, new to this board.

TIA
Here

You can try to add yourself as a AU on someone elses card who does have good credit.  Or you can start over with applying for a store card like GAP or Macys and spending a little on it and paying every month...in a few months your credit should be getting better.

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Offline meshugener

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Re: Credit Questions
« Reply #6 on: March 11, 2013, 12:24:22 PM »
Quote from: DS on March 11, 2013, 11:47:48 AM
I'm pretty new to this whole credit card/points endeavor.  I was married once before and my ex husband really messed up my credit - BAD. And though it is his responsibility to clear my credit, it's been more than 10 years and he hasnt done anything, so chances are he aint gonna fix it now.  As such, I don't have very good credit, but would still like to get approved for a credit card. Can anyone please give me some tips as to how I can best achieve this goal?

Thanks,

DS
Hello here!
What did he do to mess up your credit? Sometimes you may have a right to dispute it.
Be specific and maybe we can help you.

If you have any other questions fell free to ask, or PM me or rots5.
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Offline AJK

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Re: Credit Questions
« Reply #7 on: March 11, 2013, 12:39:58 PM »
This was 10 years ago?

Are you sure the negative marks havent fallen off already?

Have you checked your credit?
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Offline MEIR613

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Re: Credit Questions
« Reply #8 on: March 11, 2013, 12:43:29 PM »
Check your credit report and get back to us.

It could be like AJK said that the negative stuff fell off already.
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Offline sky121

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Re: Credit Questions
« Reply #9 on: March 11, 2013, 12:45:01 PM »
Quote from: AJK on March 11, 2013, 12:39:58 PM
This was 10 years ago?

Are you sure the negative marks havent fallen off already?

Have you checked your credit?

It seems as though perhaps their are balances still yet paid.
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Offline DS

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Re: Credit Questions
« Reply #10 on: March 11, 2013, 01:40:55 PM »
I think it's still outstanding. I tried to apply for a Macy's CC and was declined, so the idea of my getting a store cc seem to be out of my reach. Or, I just don't know enough about this stuff.
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Offline sky121

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Re: Credit Questions
« Reply #11 on: March 11, 2013, 01:42:09 PM »
Quote from: DS on March 11, 2013, 01:40:55 PM
I think it's still outstanding. I tried to apply for a Macy's CC and was declined, so the idea of my getting a store cc seem to be out of my reach. Or, I just don't know enough about this stuff.

Before you do anything you should get a copy of your credit report and see what's going on, what accounts are open, what's due etc.
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Offline AJK

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Re: Credit Questions
« Reply #12 on: March 11, 2013, 01:48:53 PM »
Quote from: sky121 on March 11, 2013, 01:42:09 PM
Before you do anything you should get a copy of your credit report and see what's going on, what accounts are open, what's due etc.

What he said.

(and me...)
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Online CountValentine

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Re: Credit Questions
« Reply #13 on: March 11, 2013, 03:42:47 PM »
No disrespect to any member here but you really need to post these questions at creditboards.com. They are the go to site for these types of problems and solutions.
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Offline meshugener

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Re: Credit Questions
« Reply #14 on: March 11, 2013, 04:01:25 PM »
Quote from: CountValentine on March 11, 2013, 03:42:47 PM
No disrespect to any member here but you really need to post these questions at creditboards.com. They are the go to site for these types of problems and solutions.
+100
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