What do I do
Years ago I got three credit cards, I got a capital one platinum, than also go quick silver and also a Walmart capital one, long story short we all make mistakes and I got really sick and got layed off QS:$480CP:$188 and Walmart:$400ish and didn’t pay them they went to collections I wanna say 3 years ago.
It tanked my credit to trans 450 equafax to 470 and Experian to 460 I’ve been working on fixing my credit for 3 years fast forward I got back to hustling and working so
I’m at 618 trans 629 on equafax and also on Experian, I have a open sky secured at $500, discover it :$300 which I was surprised they accepted me and also have a credit one $450 and an avant- card$300, credit one after the 6 months gave me a limit increase and opensky well 8 months later and no upgrade to unsecured.
I have avant which I just have to keep an extra account to do payments on, but going to cancel that one once I get approved for better cards. And I was also able to get a used car out 2023 gmc Acadia for 28k at 13% interest with a credit union at 580-608 score, they pulled all 3. I’ve been doing payments on the car for 4 months so far, now I keep getting offers to get a capital one savior I applied knowing I have three collections with them, I keep getting denied but all of them keep giving me offers and I also get the capital one pre approval for buying a car.
I called the collections and asked if I settle or do payment plans can I get them taken off my account they said no they can’t I have to talk to capital one which I did and they said I have to talk to the collections. Just back and forth, how can I apply and get a accepted to get a capital one again to build my trust with them when they can’t take payments cause they sold it to lvnv and lvnvn doesn’t want to help out. Any one gone through this and was able to get a card with capital one, I’m just trying to get into better cards and drop my subprime credit cards.