Well Fico fam. i was so busy rebuilding my credit the last 22 months that i never really thought about the impact of so many new accounts and things. I currently have a total of 20 acounts. non hidden Tl. 1 being a installment loan and the others credit cards. I also have another installment loan that i paid off about 15 months ago. and a closed credit card as well.
scores in my siggy are current as of today. EQ 705 Tu 733 and EX 704. have 18 inqs EQ. 8 last 12 months. . 1 on Tu. and 18 on Ex 9 last 12 months.
oldest account is 21 months. AAoAis 11 months. Are my chances Good? Total util is about 11% and income of about 62k. Total debt across the board is 11k. i just don't know if my chances are good. Any Advice accepted. out of the debt. 4200 is installment loan. 7k is credit cards. But declining balances every month. as ive stopped using many. just to pay down. Most of that is from former taxes for previous years. So its not like im buying merchandise. i put about 5k on my taxes. The other 2k in credit card debt is basically revolving. month to month things and a few extra items. like new laptop and iphone 6. Thanks again all. i want a used car between 2011 and 2013. Priced below 16k . prefer either Chrysler 300c or similar car.
