@UpmyscoreinFL wrote:I am going to pay what I can and hope for a nice score boost and go from there. That is why I was thinking paying the smaller maxed store cards would give me the biggest boost For the amount of money I will have. I will check out the personal loan route too from a credit union. Has anyone had success with that?
I have good success with my local CU for personal loans though I never have tried to get one with high utilization, I was at 36% the first time I got one. I would still try to get in with your local CU they are more apt to work with you than a bank.
+1 to the Slate card
Starting Score: 664
Unfortunately, Slate will not always issue high limits. I applied for the card 2 months ago for a similar reason as the op but only got 3000 limit which was not really much help. I think the fact that my CSP card was less than 6 months effected result.. My FICO scores for all 3 CBs were between 738-760, no baddies, AAoA 2 years (will be at 3 after June 2014), income over 100k, utilization at that point was around 15% with highest on 1 card at 48%.
Starting Score 630 Score: Current FICO Scores: All above 725 (04/01/2015)