04-22-2013 02:00 PM
My FICO score was 548 last month but I fixed a lot of the negatives and now my FICO score is 652, what credit card would you guys recommend? My Goal is to reach a FICO score of 730
04-22-2013 02:06 PM - edited 04-22-2013 02:13 PM
Approximately what is your income level? Are you a student? How old are each of your existing credit lines?
And why is your FICO already so low?
PS: and read my credit journey below. One secured credit card for just shy of one year got me to 732 from no credit. Just using less than 10% a month and showing that I would pay in full each month. But, there are other ways to do it. Secured card is probably the traditional method though. If you have available cash to spare.
04-22-2013 02:08 PM
04-22-2013 02:12 PM
The only CC I have currently is a Capital One VISA Platinum with CL of $300.
My annual salary is $80,000, I am 28 years old, I use to have tons of CC when I was 19 and I stopped paying them that is why my score is so low.
FICO SCORE IS 652 (EQ).
Number of inquiries is 4.
04-22-2013 02:28 PM
One judgement and one collection account that is "Paid, Closed" but I'm not sure why different credit reporting agencies keep them on there and others remove them entirely. Equifax removed them completely but TransUnion and Experian still show them as negative but they are "Paid, Closed"
04-22-2013 02:33 PM
Dates for what? The Judgement is still on there, I'm paying it offer, it will be done in two months. The collection that is Paid, Closed is student loans which I am paying off as we speak. Dates on those are 04/07/2013, status updates I guess?
04-22-2013 02:37 PM