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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.
you have 13 inquiries just on eq? do any of them fall off soon?
Credit One Visa (www.creditone.com) is a guaranteed approval, but the fees are so ridiculous!
@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.
@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.
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.