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Best CC options for this 7hr history?

Established Contributor

Best CC options for this 7hr history?

After getting rid of my last CAs this month, here is what is left on my 7yr history based off of my reports directly from EQ/TU/EX.  

 

I would appreciate input as to what cards I could realistically app for (and yes I've looked at whogavemecredit).....as well as what not to waste my time with.   Current FICOs in siggy, but scores should be going up a bit in next few weeks.

 

OH and I have 2 hard inquiries, one 12/2012 and the other 7/2011

 

I was thinking of apping for:

 

Lowes

Macys

Visa @ my CU

Wal Mart

 

 

OPEN ACCOUNTSDate OpenedLIMITBALANCE30-DAY60-DAY90-DAY120-DAYNOTES/COMMENTS
ACS/BOFA11/2005$7,928.00$7,921.00 02/201105/201006/2010STUDENT LOAN - DEFERRED
FLSA/AES10/2012$1,400.00$1,223.00    STUDENT LOAN - DEFERRED
FLSA/AES10/2012$2,334.00$2,334.00    STUDENT LOAN - DEFERRED
FLSA/AES05/2012$3,539.00$3,539.00    STUDENT LOAN - DEFERRED
FLSA/AES05/2012$1,658.00$1,612.00    STUDENT LOAN - DEFERRED
FLSA/AES05/2102$4,194.00$4,190.00    STUDENT LOAN - DEFERRED
FLSA/AES09/2011$4,500.00$4,500.00    STUDENT LOAN - DEFERRED
FINGERHUT04/2005$135.00$0.00    (I'VE NEVER USED THIS, DON'T KNOW WHY I EVER GOT IT HAHA)
LES SCHWAB07/2004$574.00$0.0006/2006   (LES SCHWAB SHOWS THIS CLOSED, BUT CR SHOWS OPEN)

 

 

CLOSED ACCOUNTSDate OpenedDate ClosedBalance30-DAY60-DAY90-DAY120-DAYNOTES/COMMENTS
ACS BOFA09/200605/2012$0.00 02/201105/201006/2010STUDENT LOAN  PAID AND CLOSED
SLFA10/200305/2012$0.00 02/201105/201006/2010STUDENT LOAN  PAID AND CLOSED
LES SCHWAB07/200701/2010$0.009/09 & 10/0710/09 & 11/0711/2009 HIGH CREDIT 463 / PAID AND CLOSED

 

CHARGE OFFSDate OpenedDOFDHIGH CREDITBALANCE 
CAP ONE/HSBC12/200608/2008$638.00$0.00CHARGE OFF
CAP ONE/HSBC03/200807/2008$604.00$0.00CHARGE OFF
Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 1 of 3
2 REPLIES
Established Contributor

Re: Best CC options for this 7hr history?

OH and are any of the Discover cards a possibility?

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 2 of 3
New Contributor

Re: Best CC options for this 7hr history?

i would apply for CU first, Discover 2nd, then get the walmart and if approved for walmart then try other ge cards.  I just got approved for discover with a 641 ex fico with 25 inquiries. 

 

You shouldnt have a problem getting the walmart card so get that one after so the walmart inquiry doesnt show for Disc. or any other prime cards you want to apply for first.

Message 3 of 3