Okay, my dh's scores are TU-658, EQ-630 & EX-684. He has 2 collections that are both over 2 1/2 yrs old. One of them is medical and I'm sure we can have it removed. The other, we aren't sure what it is, so we are doing research. His income is about $65000/yr. He only has 2 revolving accounts on his credit report. One is Crown Jewelers and the other is an old First Premier card that is showing a balance but is closed. I could pay that off now, but we've been paying on it monthly. We just applied for a Household Bank card and he got only $500, but it's a start.
Are there any other cards he may be able to get? Just trying to see if we can get maybe 1 or 2 more just to use and build his score more? We got approved for a mortgage a while ago, but wanted to do some more building and get a better rate in another year or two.
With his ex score he could try BofA i think he will get in if not might counter with 99/500 deal , Amex is a possibility also with his Ex score. Tu score should get him Hooters MC (if you don't have a problem with that ) His EQ score is a little low a secured card from a CU since most go with EQ might be an option.
At any rate go to whogavemecredit.com and use the database to give you an idea of what approvals and denials people get with similar scores and blemishes on their files.