What should I do?

[Paperboy999]

This forum is great. I raise from my score to 701 on eq from whatever it is in my signature. I didn't realuza utilization was so important. I'm at 2% now from 45%. My tu is 683 and ex from free credit report is 668. I have found FCC to be fairly accurate.

I have about 9500 in credit now with about a 250 balance spread over 7 cards. I plan on keeping it that way for a while. My aaoa is 3 yrs.
The bad, I have 5 state tax liens totalling about 7500 and a federal luen reported on eq and tu amount is 100,000 which is an incorrect amount. It was 65,000 and I've been playing it back for 2&1/2 years.

My newest cards are discover it 9/12 and amex green 10/12. I capped for spg from amex on 1/1/13 and was denied for fico to low. I'm going to app for the bcp on 1/31.

I would like to get a visa card so I can close my 2 cap one cards , 750 and 1150 limits no balance. Whuch bank do you think I have best chance of getting approved for with a decent limit ?
I can't join any of the military credit unions because I have not been in the military.
Thank you for the responses.

[Repo-ed]

Find a local CU to start a relationship with.

[youngandcreditwrthy]

Chase Freedom Visa is great :-)

[Paperboy999]

Okay. I apped for the freedom and I didn't get declined. but i didn't get an instant approval either. what do i do now? Call ?

[chnceit]

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@Paperboy999 wrote:

Okay. I apped for the freedom and I didn't get declined. but i didn't get an instant approval either. what do i do now? Call ?

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Call the back door number in the sticky.Good luck

If I were you thou I would become a member at a CU

[Paperboy999]

that's the next thing i plan on doing.

which number to call, app status or credit analyst?

[chnceit]

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@Paperboy999 wrote:

that's the next thing i plan on doing.

which number to call, app status or credit analyst?

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Credit Analysis and just mention your calling to get a descion on your application that you submitted