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X-post: Working my way out of sub-prime cards

Contributor

Re: X-post: Working my way out of sub-prime cards

Thanks!  I fired First Premier today!  My AF was $48 with them, so I wasn't paying $179 - that's a scary AF!  I will try giving merrick a call to see what can be done about that late from 7 months ago.  Love the boot graphic!

7/11/08: EQ: 635, TU: 658, EX: 607
10/10: TU 634, EQ 626, Ex 626
9/14/2012: TU 622, EQ 660
10/16/2012: TU 731, EQ 706 - finally on my way!
Message 11 of 12
Established Contributor

Re: X-post: Working my way out of sub-prime cards


jamesdwi wrote:

I would suggest you garden untill your lates are a year old and your UTL is less than 9%, then apply for something prime hopefully your score is over 650 by then. 


Question for you regarding this ^ - I have 3 lates on an auto loan in the last year and my util is approx 49-52%, but my score in the next couple weeks should top 650, does this mean I could app for a prime card for a bal transfer I'd love to do??

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 12 of 12