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Subprime cards

Subprime cards

how do I take my 2 cards that are sub prime and get into a real card mind you both cards are primer cards ( ouch) but that was my rebuilding cards 1 @ 350 limit 175 used

and the other @ 250 limit with 87 used i'm sitting @ 670 right now ? I just need to lose these cards

 

thanks for any input


Starting Score: 582
Current Score: 670
Goal Score: 750


Take the FICO Fitness Challenge
Message 1 of 8
7 REPLIES
Valued Contributor

Re: Subprime cards

FICO/FAKO/AAOA/Issuer of cards?

Message 2 of 8
Valued Contributor

Re: Subprime cards

You need to get the utilization down below 10% on those cards, then wait a month before you do anything.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 3 of 8
Valued Contributor

Re: Subprime cards

Ok, I see you're using FP, and you made reference to having a Household bank card too at some point. Baddies on your CR's?

The better option is to get away from the fee sucking cards, get a decent deposit ready, and go for a secured card.

Message 4 of 8
Valued Contributor

Re: Subprime cards

Never to be confirmed/denied (thanks llecs), some of the bigger players frown on seeing First Premie's reporting on someone's reports.

Message 5 of 8
Valued Contributor

Re: Subprime cards

get your utili down less than 9% and wait about 1 months....

Maybe good for Discover.....one of my buddie got approved with 640 fico score.....well hope you do too...


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 6 of 8

Re: Subprime cards

ok thanks, a big pay down within the next week on the cards and cross my fingers thanks for the input

 


Starting Score: 582
Current Score: 670
Goal Score: 750


Take the FICO Fitness Challenge
Message 7 of 8
Valued Contributor

Re: Subprime cards

Just make sure it's before statement date. Won't matter if you pay now and charge them back up before the statement cuts and still reports.
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 8 of 8