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Here is what I have thats positive on my report:
US Bank Secured - $3,000. 1-Year anniversary in December. Never late
Chase Auto Loan - $37K start. Under $20k left and ahead on payments
Sallie Mae Student Loan - Current and paying
NelNet Student Loan - Current and paying
NelNet Student Loan - Current and Paying
Scores below are as of today but I will see a boost at the end of the week. Will a 2nd card really be beneficial for me?
My plan is to send in another $2K next week to put my secured card at $5k till December when I call to try and get a PC on that card on the 12 month mark. If I do get the PC, that would put me with one card at a $5k CL. I am holding out to app for the Hyatt card from Chase when I get closer to 700. Thoughts?
Credit card board might be able to offer more advice on which one to get, but I do think you should get one more. Maybe a store card to boost your util?
Here is what is still holding me back.
This list shows the latest action. Been working on these accounts since Feb 2013. Had a collection from City of San Diego that has
OneMain Financial - Unpaid balance of $4,791. DOFD 5/12. PFD 10/10/13 Still no response from them on any letters I have sent them. Might try a DV.
Chase Auto - 4 30 lates and 1 60 day late. GW 10/28/13
Sallie Mae - Was 180 days late but now current.GW 10/28/13
Amazon Card - C/O $0 balance - DOFD 4/12. GW 10/28/13
Shell/Citi - C/O $0 balance - DOFD 4/12. GW 10/28/13
Cap1/Best Buy - C/O $0 balance - DOFD 4/12 EO Office Response 10/28/13
Cap1 Card #1 - C/O $0.00 Balance - DOFD 4/12 EO Office Response 10/28/13
Cap1 CC #2 - C/O $0 balance - DOFD 4/12 EO Office Response 10/28/13
Cap1 CC #3 - C/O $0 balance - DOFD 4/12 EO Office Response 10/28/13
Cap1 CC #4 - C/O $0 balance - DOFD 4/12 EO Office Response 10/28/13