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Need guidance after 3 years of credit repair
After 3 years working to repair my credit with a local Puertorrican credit repair company, I just apply for a credit card and it was denied. All negatives account are paid off in full long time ago and are dated 2006 or later. Although I already pay for the service; should I contact a web based credit repair agency? It is true that I had improve the score to 626 based on CK update, but for some reason local company is not able to clear all accounts, and finally close my case. Using a CK simulation feature, it looks that adding a credit card will increase my score. Should I consider a secure card instead? Is a web based credit repair recommended?
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Asked by
Acolon
9 months ago
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I do not think at this point a credit repair agency is necessary. You are on the right path. Do not try to make a leap before you know how to walk. A secured card would be great to establish credit and demonstrate your ability to utilize credit effectively. Getting 2 would be great. Then just wait.
scamps218 9 months ago
When you mention that at this point a credit repair agency is not necessary; it is because teh aging of the accounts? AC
Acolon 8 months ago
You have a 626 CK score. Try for a Orchard bank unsecured credit card and settle for the secured card at Orchard Bank if needed. Great card company to build your credit even more. Good Luck.
nandog 9 months ago
Thanks for your reply scamps218. I never thought about 2, but I realized it now. Nondog. Thanks, Orchard was my 1st option, but unfortunately it does not apply in PR.
Acolon 8 months ago
scamps218. when you mention that at thsi point a credit repair agency is not necessary; it is because of the aging of the accounts? A
Acolon 8 months ago