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My limit is $800. It is my 3rd lowest limit other than my 2 Cap One credit cards.
My utilization across the cards in total is 60%. By closing this account, it increases the utilization but keeping it open with only annual fee will be < 60%.
I am working on lowering the utilization.
Thanks for your suggestion.
I was going through the first step after I pulled my 3 credit scores...
I was just discharged 08/25 and now I'm being foreclosed on. I did not reaffirm my mortgage so we are not liable for the property. Is my mortgage now supposed to say "discharged in bankruptcy" on my report? It just says pending foreclosure on my reports that I pulled today. Does it make a difference?
Thanks for the reply! It was only Experian so I emailed my lawyer about it. It did say discharged on my Trans & Equifax.
Another question... for CreditOne I was just told my address is out of the service area. Has anyone else had that issue? Which card should I try instead?
http://ficoforums.myfico.com/t5/Bankruptcy/Bankruptcy-friendly-credit-cards/td-p/963456 I found this
Well.... no luck with Capital One or Barclay's. I might just have to go the secured route.
I was under the impression that Discover isn't BR friendly? They weren't included in mine but I got denied.
Also, out of curiosity, why is Tuesday or Wednesday at noon the best times to apply for credit?