Hello everyone my name is Kelton, and I joined the winners circle looking to seek more knowledge and take my credit score to the next level.

Heres the context: Two of my credit cards from capital one were just closed this week. I haven’t received the letters yet, but when I called, they gave me minimal info. Apparently I didn't follow the client expectations of the contract. My question is, would it be smarter to apply for all the credit cards that I have high approval odds for.. and then repair my credit to get rid of the inquiries and start building? Or is it smarter to repair, apply afterwards, then wait for the inquiries to disappear?

I have a few Credit Unions in my area and I like some over the others due to their reviews and customer service. What if the Credit Union of my preference doesn't offer credit cards but they have the other products like Business loan, Personal banking, Business banking, Mortgage services, Personal loan. Should I open an account with them still? Or find another that offers CC? Working on building relationships.

I have a poor credit score. If someone with good credit puts me as an authorized user will that help boost my score?

Hello Winners! Im Ivy, I’m looking to educate myself more on how to repair my credit and anything else I didn’t know about credit. I want more for my future and my kids and I believe it starts here! I’m willing to learn from everyone and thank you Ruben for making this free! 🙏🏽😊