Credit Cards

[etstrong98]

Hello all,

I am pulled my CR's from FCR and one of my negs was that no credit limit over 2K. Currently I have the following

Car Loan (cu) no time no lates 36 month term about 10 months left 9% interest

OB/ Cap1 (secured) CL 1500/B 1000 open 2008 1 30 day in 2010

Cap1 (unsecured) CL 500/ B 300 open 1/2012 CLI from 300 July 2012

Walmart (unsecured) CL 500/ B 0 open July 2012

Oldest reporting account 8.4 AAoA 4.6

The rest of my info is in my sig.....

Please help me have 3-4 inquiry's any suggestions on a card that might take me  ..........

[searchingfor67]

Which cu do you belong to? And have you tried there?

[etstrong98]

Health One CU here in MI, they offer a MC, charge 5 dollars to apply. No I haven't applied yet, i know they only report to EX and TU. I really want sonething that will report to all 3 CRA

[migliogiorni]

Hmm, what are your fico scores?

[migliogiorni]

Nvm saw it, let your BK fall off.  To bad that 1500 cl is cap 1 they're not gonna budge on a cli.

[Revelate]

Ignore that FCR recommendation, that's junk as far as FICO is concerned.

Pay down the balances (that's your major FICO penalty, 60%+ utilization on two cards) and wait for the BK to fall off and you'll be fine.

[compassion101]

Any idea as to your current FICO scores?

If you pay down your balances it should boost your scors a bit, then when the repo and BK fall off it seems you'll be in decent shape. I would try to add to your CC portfolio, maybe walmart card may be attainable, even Barclays if you pay balances down?

As Revelate mentioned, ignore the recommendation about 2k card holding you back. Still you want to get (or be set up to get) bigger limits for other reasons.

[Crashem]

Get your balances and util down.  Remember to go for cli every 4 months on gemb accounts such as your Walmart card.

[webhopper]

Pay down balanced. They aren't going to give you a nice CL if you're already maxed on current cards. BK is a no go with a lot of companies. Check out the BK friendly list

[etstrong98]

Thanks, I will have all my cards paid off in the next month. I have been pretty app shy for years I only applied for the Walmart card because I read some much about it here. I just want to be sure I am on the right track.