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What are some CC's to help me rebuild my credit?

New Contributor

What are some CC's to help me rebuild my credit?

I have a current EQ score of 526 with 1 postive TL and 5 negative TL. I use 20% every month and I PIF.

Everybody says I need at least 2 accounts to increase score. I don't want app because of my low score.

 

I only have 13 inquiries in the last 2 years.

 

Starting Score: 460
Current Score: 680
Goal Score: 800


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Message 1 of 6
5 REPLIES
Senior Contributor

Re: What are some CC's to help me rebuild my credit?

you have 13 inquiries just on eq?  do any of them fall off soon?

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 2 of 6
New Contributor

Re: What are some CC's to help me rebuild my credit?

Credit One Visa (www.creditone.com) is a guaranteed approval, but the fees are so ridiculous!

TU FICO - 752 (8/12/11)
EX PLUS - 721 (8/9/11)
EQ FICO - 648 (2010)

(21 years old)
Message 3 of 6
Regular Contributor

Re: What are some CC's to help me rebuild my credit?

  


RebelSon wrote:

I have a current EQ score of 526 with 1 postive TL and 5 negative TL. I use 20% every month and I PIF.

Everybody says I need at least 2 accounts to increase score. I don't want app because of my low score.

 

I only have 13 inquiries in the last 2 years.

 


                     I would work on the 5 negative tradelines first. 




TU 802 EQ 806
*USAA*PENFED*NFCU*AMEX*DISCOVER*CiTi*WALMART*BESTBUY*
Message 4 of 6
Senior Contributor

Re: What are some CC's to help me rebuild my credit?

 


RebelSon wrote:

I have a current EQ score of 526 with 1 postive TL and 5 negative TL. I use 20% every month and I PIF.

Everybody says I need at least 2 accounts to increase score. I don't want app because of my low score.

 

I only have 13 inquiries in the last 2 years.

 


 

A second account will only help a little.   You may want to wait until you have fewer inquiries and more age on your negative accounts.  

 

I would suggest a secured card.  I would start with Orchard or Capital One.

Message 5 of 6
New Contributor

Re: What are some CC's to help me rebuild my credit?

9 out of the 13 inquiries were actually unauthorized. I spoke with the original puller and all 9 will be removed from EQ within 45 days.

I think my score should go up.

Starting Score: 460
Current Score: 680
Goal Score: 800


Take the myFICO Fitness Challenge
Message 6 of 6