what credit card company only checks transunion for credit check? I have limited credit history and want?

in Transunion Credit Report

another credit card to build up more credit….ok so i have about a year and a half of credit with a charge account with Macys…only a $100 limit on macy and a capital 1 with $300 limit…..and reports are all ok except for one pass 30 day late for capital 1 eleven months ago…a charge account from a jewelry store ..i paid about $700 for it in 6 months….it was paid off in may of 2008 …and after that they only report on my credit report satisfactory every other month

I also had a signature loan for $500 and made 4 ok month payments on it before it was transferred over to an auto loan….i got an auto loan for $1500 and the remainder of $300 balance from the signature loan was added to the auto loan…so essentially the auto loan was for about $1800…..that was for an 18 month loan..but i paid it off in 13 months…paid it off last month….ok…so based on my credit history….what kind of credit card can i get? i checked my credit report and got 717 from transunion…i got it from transunion…..and it says i need more revolving account….or what department store credit card should i get…or one that will take me? especially one that checks transunion…but if u have the info…easy cards that check other credit bureaus as well…man it’s taking forever!! to build up credit…
what is a vantage score?> i did get the score from www.transunion.com ….with all the payments I’ve made for the past year and a half…and the jewelry store for 2 years….I’ve only had one 30 day late, that impacts that much? what if i have it taken off? would it improve it so much more?
and no i checked it’s my FICO score….ranges up to 850….not 900

1 Comment

One Comment

  1. bdancer222

    You don’t need more credit card accounts. You need more good payment history on your existing credit cards. With those late payments, I’m surprised your score is 717. However, that is probably a Vantage score, so your FICO is probably around 600.

    Use the Capital One and Macy cards for small purchases and pay them in full every month. You need at least 24 months of consistent, on time payment history to improve your score. Then perhaps both credit cards will increase your limit.

    It takes many years to build good credit. There is no shortcut.

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