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I'm planning on taking out a car loan next year, so I decided to see where my credit was. I was irresponsible with my credit when I was younger and canceled all my cards. The bad stuff is all gone from my credit report now and my score is decent, but I don't have much in the way of credit history. I have one card from 8 years ago on my report(it's closed now) and my student loans, I still have a balance of 13k/16k on them. I wanted to start building a positive history again, so last month I applied for a card that was probably a little too prestigious for me and my application was not approved. Last week I stupidly applied for a different card from the same bank and that was rejected because I had too many applications with them. So my questions are: 1) How much have I hurt myself with these two hard inquiries and no new card? 2) Does anyone have a recommendation for a card for someone in my situation? I don't care about points, features, anything other than building some history without costing my in the way of annual fees. 3) Should I wait for a little while before applying for something else?
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Apr 20, 2010 00:08
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| # ¿ May 7, 2024 15:52 |
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