Credit Cards

[cd2004]

I have a judgement on my report from 2009 but I may them on a monthly arrangement for 2.5yrs. I dont have all the funds to PIF yet but I want to try and see what CC's are judgement friendly once I pay it off and the balance would be $0.

[Brian_Trying_700]

Do you have any cc's "credit cards" at the momment?

[cd2004]

Yes, but only rebuilders. The only baddies left on my CR are 1 judgement, 2 chargeoffs from 2008, 1 collection but only reporting to TU

Cap1-$500 CL(21% util)

Household- $500CL (10% util)

Orchard-$500 CL(9% util)

closed Tribute with balance(63% util)

[cd2004]

Any suggestions....

[espnjunkie]

Right now you want to focus on getting your utilization down, paying off all outstanding debt, and getting some solid payment history reporting. Do everything you can to try and fix those baddies. Until then it will be tough to get approvals for any prime cards. Your scores should see progress in 6 months or so

[cd2004]

Thanks..i was not looking to apply anytime soon, I just wanted to know if I am doomed forever from prime cards with a judgment on the report even if its paid..i have not had any late payments on anything in over 4yrs, my credit issues from when I was young and naive are still getting the best of me. I wish I would have never gotten stuff in my name for relatives. I think I am gonna go ahead and payoff the closed tribute next month. My other cc util are ok and have less than a $200 balance combined. Its the darn credit card judgment and charge offs. I really was not focused on those since the loan officer told me I did not need to pay them to get a home loan but now I have been thinking in the future I want better cards.