Ok...need everyone's input. Here's my background- the scores in my siggy are current. My AAOA is 8 years. I have a paid car loan from 2008; a paid mortgage from 2004. This year I have an autoloan with Chase (4/2/2012) no lates- my problem was I had no revolving credit cards just 2 student loans- paid no lates! I have a Chapter 13 (dismissed not discharged on EQ only from 2005) and 1 sm coll acct to drop off in Dec. I quickly remedied no revolving accounts with an app spree with GE. As far as inquires are concerned, I have 8 from TU (ouch) but that includes 4 from the car purchase earlier this year; 4 from from EX (tried Chase Freedom before I joined this forum what a waste of a HP), Barclays, and 2 from EQ (Discover and a CU for the car).
Can't do USAA or NFCU- DCU is a possibility. I really want to try Nordstrom but I don't think my recent revolving credit is strong enough. SO...if you were me what would you do? I think I have enough revolving credit now. GE Cards will grow with me and I am not worried about the CL's but I think I need more MC/VISA'S....
CREDIT CARD SUMMARY
Updated Oct 31, 2012
|Expand||Total Credit Card Balances||$201|
|Expand||Credit Card Limits||$3,200|
|Expand||Credit Card Utilization Rate||6%|
I would wait a dismissed Ch 13 BK only stays for 7 years and your COLL is due to fall off so once those disappear you should see a nice bump.