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I'm thinking about apping for a new cc after my BoA card goes unsecured.My TU Fico is 667 and EQ Fico is 618. Here is what my reports looks like:
Bank of America Secured- 9 months old - $300 limit - paid as agreed
Capital One - 12 months old - $750 limit - paid as agreed
Orchard Bank - 12 months old - $300 limit - paid as agreed
Crown Jeweler's - 12 months old - $2,500 limit - paid as agreed
Each report has an average of about 8 inquiries all over a year old. (No inquiries in the last 12 months.) No baddies exept the short credit history and inqueries.
Utill is about %90 (not counting the Crown jeweler's TL). I plan on paying that down below %5.
@Anonymous wrote:I'm thinking about apping for a new cc after my BoA card goes unsecured. I don't know my scores yet because I got locked out for some reason. Here is what my reports looks like:
Bank of America Secured- 9 months old - $300 limit - paid as agreed
Capital One - 12 months old - $750 limit - paid as agreed
Orchard Bank - 12 months old - $300 limit - paid as agreed
Crown Jeweler's - 12 months old - $2,500 limit - paid as agreed
Each report has an average of about 8 inquiries all over a year old. (No inquiries in the last 12 months.) No baddies exept the short credit history and inqueries.
Utill is about %90 (not counting the Crown jeweler's TL). I plan on paying that down below %5 before apping.
I will report back when I am able to check my scores. Any advice is greatly appreciated!
Message Edited by Justn on 06-08-2009 01:41 AM
Utilization 90%? Get it under 9.
Check out www.whogavemecredit.com. Also which ever is your best score, check to see which CCCs pull; from them.
I would look at a GEMB product. Sams is very usefull to me and peharps a gas card.
OK. Here is what I came up with.
Walmart / GEMB
Kohls / Chase
Chevron
I'm mostly worried about the short credit history. Will that be a problem for these cards.
Just checked my TU score and it is 667. And according to the Fico simulator when I pay down my balances it will be between 687 and 727.