Currently-
Rebuilding my credit still. In the garden since July 2014
Current Score 8- EQ 634, TR 637, EX 659 (Started in the 500s early 2014)
Last Hard Pull was from CAPONE for a 3k limit card July 2014 (Now currently a $4k limit and upgraded to a VENTURE)
Other card- Opened March 2014, Credit Union $500 secure card.
Other notes: AUTO LOAN for $17,500 now down to $12,800
School loan - Currently owe $17k
Had late payments on report in the 2011 and earlier and one judgement. - All paid in full since 2013
No late payments since and Credit cards are all under 10% or paid off each month.
Age 29
Income- $58k year
Wife (28)- $51k year
Wife owns home- Paid down to $69k (should be paid in full within 7 years)
First- With the secured CC, I called the credit union to see if I could upgrade the card without a hard pull so I can get that $500 back in my account versus having it in a CC account. They said I can upgrade, but it would be a hard pull.
Is it worth the hard pull? My crd limit would increase and I would most likely get a card with rewards, and I would get my $500 back. Or is it not worth the hard pull hit and to stay in the garden even longer?
We plan on trying to buy a house soon (200k-300k). Maybe within 1 year.
Let me know what you would do!
