Fixing my credit which card to add?

[Anonymous]

Happy New YR!

So I am currently rebuilding  so far EX 615 , TU 633 , EQ 578 . Major Baddies are set to fall off Mostly this year.. (See my other thread  

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Fixing-my-credit-What-Can-I-do/m-p/3710402#M3...

I Want to buy a house in 2016 and since its Jan , It would be nice to add CC To my portifolio .In the last 2  weeks - I  paid off all my credit cards! (Not an easy fete! ;(

Paid Capital one CC 300 CL To $0

Paid  capital one CC 500 to $0

Paid of  walmart CC  300 CL to $0

JCpenny   CL 550  ,Bal  $0 

My Questions are as follows;

1. I have  charge offs from 2008/ 2009 for Discover , Bank of america and Wellsfargo Can they still approve me with that history?
2. which cards can I add and get good CL ? Barclaycard? Discover IT? I am not keen on Credit one /fingerhut - Read enough in these Forums
3. Should I even get an additional credit card to boost my Utilization and Tradeline Numbers?
4. I would like to get a secured credit card but not sure if the limits can be increased soon enough.

Please advice

Thanks!!

[DiabolicallyRandom]

You have plenty of cards as it is to build your credit. Letting a small balance of less than 10% report on one of them would maximize your scoring.  

If I were you the only card I would give a shot would be Barclay, apple or rewards. 

[Anonymous]

Thanks. i Will Apply for Barclays mid Month- I am also thinking of Joining NFCRU and apply for a NAVY Credit card - i understand they are generous!

I am anxiously waiting for my FICO scores to update given that i have eliminated my credit debt.

[Creditaddict]

If you have access to Navy Federal you need to Join ASAP NOW!~

I would apply for credit card and checking line of credit for $15k (they will counter)

I would not apply to Bank of America until scores are in upper 600's

[Anonymous]

---

@Creditaddict wrote:

If you have access to Navy Federal you need to Join ASAP NOW!~

I would apply for credit card and checking line of credit for $15k (they will counter)

I would not apply to Bank of America until scores are in upper 600's

---

Bank of america....Maybe a Secured... 99/500 is a decent option.

[Anonymous]

As Nixon said, 

BoA secured credit card would be a easy and more likely approval.  Do not waste a HP on Barclays at this time.  

Also, having been a mortgage loan office, I'd suggest that you wait until next year and get those baddies off your report first.  

---

@Anonymous wrote:

---

@Creditaddict wrote:

If you have access to Navy Federal you need to Join ASAP NOW!~

I would apply for credit card and checking line of credit for $15k (they will counter)

I would not apply to Bank of America until scores are in upper 600's

---

Bank of america....Maybe a Secured... 99/500 is a decent option.

---

[baller4life]

Bank of America

[xautodetail]

bank of america 99/500 for sure

[pazuzu]

"BANK OF AMERICA  BAL  JUNE 2016  balance $1,296 written off $5,152"

Opie won't get anything from BoA with this reporting.

And myficoers are tellin opie to go for the 99/500.......

Is this real life?

[elim]

If you just paid down your cards then let a small balance(1%) report on 1 card. You have to wait until all of them close and report to the 3B's. This will raise your scores enough to make a difference in what cards/limits you are eligible for.

do nothing until this happens. then plan your next move based on your new scores.