Thanks to everyone on myfico! After waiting 7 LONG years and working hard with everyone's help, I received notice today that my credit score is 739 EQ! This is up from 623 on January 28th! I am 2 weeks from closing on my first home and finally have confidence in my credit history! I had one baddie that I kept fighting from Sprint for $81 and when it FINALLY went away, my score jumped from 682 to 739, so I guess it was hurting me a lot.
I have one $500 HSBC credit limit card. Any suggestions for expanding my credit profile after the closing on my house? I thinking of apping at my credit union and probably at Lowes.
Yeah, Lowes would be good or a card with Bank of America...but only after you close.
First off...congrats on the wonderful score bump!!!!!
After your home purchase, I'd try for the Lowes. I apped online & initially they gave me a $400 limit (what can ya buy with that??) So I imediately called their cust service # and let them know I needed appliances.....immediate bump to $2900.
I'd certainly check with a credit union...and if you want another card for the mix, go for the Nationwide Visa. They give some sweet limits & great rates!
Oh....congrats on the house too!!!
Wow! Great score jump - congrats! Talk about payoff for hard work!
hdsbmt wrote: I have one $500 HSBC credit limit card. Any suggestions for expanding my credit profile after the closing on my house? I thinking of apping at my credit union and probably at Lowes.
Sounds like you have a good plan. DH had a $500 Orchard, then app'd with Alliant CU and received a $10,000 CL Visa.