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I think I need to have more CC's in order to improve my "mix"- i figured out apping strategy (when I should apply, etc, what inqs will fall off, no longer effect and who pulls what bureau)
Open - I only have an installment auto loan - close to being paid off - last payment Nov 18th; and a Visa with a toy store limit.
one account is closed account which still has a balance... i am going to pay 50% of it off this week and i'm tired of this account too...28% interest rate.
My current TU Fico (so mad about 16 point drop for no obvious reason besides the fact I guess i got rebucketed) 657 and EQ is 665.
I apped for a Nordstrom card on 09/10/09 and I am waiting after I confirm my identitiy...
What cards could I possibly get with this score that could help me iwth my mix, or lack thereof...
Please keep in mind that i will be getting another auto loan Dec EOY --
I dont' want to end up in sub prime land with rates, fees, etc...
No worries on over extending myself here. my dti is 2% and that inludes the auto.
I'm in a dirty bucket.
Thanks for any opinions/advice.
daisy...I agree with CWCID.
As you said, you're going to be getting another auto loan. Right now, you don't want too many more recent inquiries or too many new accounts.
Take a deep breath and let what you have settle in until after you get the car loan.
That's what I would do...
@LynetteM wrote:daisy...I agree with CWCID.
As you said, you're going to be getting another auto loan. Right now, you don't want too many more recent inquiries or too many new accounts.
Take a deep breath and let what you have settle in until after you get the car loan.
That's what I would do...
+1