This is our new beginning...
I applied w/ Orchard, Target, Hooters, and CCCU last week. So far Orchard has drafted the $200 and has called us TWICE and left ph. msg's to call them back. Funny enough, they seem to call when I step out of the house, so I am left hanging. I am assuming we've been approved for the secured card because they took our $. Is this correct?
Target is still pending and the other 2 I have no idea. Guess I'll call on Mon. Of course when I finally have the time to call today, no one is in. Oh well. No rush.
Also, the only card I put in my name was Hooter's. (funny replies on the Hooter's thread on how wives don't want the card in THEIR name...true, but I'd rather have it in my name and then tucked away (heck--maybe in the bra) for those online purchases!) ANYWAY...since 3 of the cards are in my husband's name, do you think they'll be willing to list me as an authorized user and report on my credit if I filed a CH7 back in 6/2000? My scores were not as high as my husband's because I unfortunately did not rebuild my credit the first 5 yrs. I didn't want to open cards w/ high interest and fees.
Thanks!
husbands ch 7 (his name only) discharged 2/14/07
my ch 7 discharged 6/00
my score was in the high 500's
husbands score a few mos. ago was 618 (mid score)
*planning on reopening the truecredit account in a few mos. to check scores, if the free annual credit report isn't available then. (I go through the Walmart link and get it for $11/mo!)
I applied w/ Orchard, Target, Hooters, and CCCU last week. So far Orchard has drafted the $200 and has called us TWICE and left ph. msg's to call them back. Funny enough, they seem to call when I step out of the house, so I am left hanging. I am assuming we've been approved for the secured card because they took our $. Is this correct?
Target is still pending and the other 2 I have no idea. Guess I'll call on Mon. Of course when I finally have the time to call today, no one is in. Oh well. No rush.
Also, the only card I put in my name was Hooter's. (funny replies on the Hooter's thread on how wives don't want the card in THEIR name...true, but I'd rather have it in my name and then tucked away (heck--maybe in the bra) for those online purchases!) ANYWAY...since 3 of the cards are in my husband's name, do you think they'll be willing to list me as an authorized user and report on my credit if I filed a CH7 back in 6/2000? My scores were not as high as my husband's because I unfortunately did not rebuild my credit the first 5 yrs. I didn't want to open cards w/ high interest and fees.
Thanks!
husbands ch 7 (his name only) discharged 2/14/07
my ch 7 discharged 6/00
my score was in the high 500's
husbands score a few mos. ago was 618 (mid score)
*planning on reopening the truecredit account in a few mos. to check scores, if the free annual credit report isn't available then. (I go through the Walmart link and get it for $11/mo!)
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