what should I do next??

[Anonymous]

First of all, I would like to say thank you to everyone!!!

My scores are as follow:

EQ = 649 tax lean filed on 06/2007   2 hard pulls

TU = 656 no badies on it                    4 hard pulls

XP = 658 tax lean filed on 06/2007   1 hard pull

1st premier bank  cc  limit  350$- 100$ balance opened it  on 07/2008- 1  late on nov 2013

1st premier bank  cc  limit  250$- 6 $ balance opene it on 03/2008-  never late 

cap 1 cc                       limit  2500$- balance 1200$ opened it on 01/2009-  never late 

cap 1 cc                       limit  500$- balance 100$  opened it on 07/2008-   never late 

boa cc                          limit  500$- balance 350$ opened on 03/2012-  never late 

gfcu cc                          limit 5000$- balance 678$ opened on 02/2000- 1 late on 02/2011 

barclays cc                  limit 1500- balance 0$ opened on 11/20/2014- just opened it

cortrust cc                    limit 450$- balance 100$ - never late 

credit one bank          limit 1450$- balance 750$  closed - never late 

1st franklin fiancial    personal loan 900$- never late 

merrick bank cc          limit 1150$- balance 0$ closed- never late  (closed by creditor)

  what card should I look at getting next with my scores and credit ?

[Anonymous]

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@Anonymous wrote:

First of all, I would like to say thank you to everyone!!!

My scores are as follow:

EQ = 649 tax lean filed on 06/2007   2 hard pulls

TU = 656 no badies on it                    4 hard pulls

XP = 658 tax lean filed on 06/2007   1 hard pull

1st premier bank  cc  limit  350$- 100$ balance opened it  on 07/2008- 1  late on nov 2013

1st premier bank  cc  limit  250$- 6 $ balance opene it on 03/2008-  never late 

cap 1 cc                       limit  2500$- balance 1200$ opened it on 01/2009-  never late 

cap 1 cc                       limit  500$- balance 100$  opened it on 07/2008-   never late 

boa cc                          limit  500$- balance 350$ opened on 03/2012-  never late 

gfcu cc                          limit 5000$- balance 678$ opened on 02/2000- 1 late on 02/2011 

barclays cc                  limit 1500- balance 0$ opened on 11/20/2014- just opened it

cortrust cc                    limit 450$- balance 100$ - never late 

credit one bank          limit 1450$- balance 750$  closed - never late 

1st franklin fiancial    personal loan 900$- never late 

merrick bank cc          limit 1150$- balance 0$ closed- never late  (closed by creditor)

  what card should I look at getting next with my scores and credit ?

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Well....

Considering your utilization is just under 30% I'd be looking at paying off those closed cards stat. -- Those are surely dragging down your scores 10-20pts

After you do this, Try Chase unless you've had a negative relationship with them.

[Anonymous]

Well I only have one cc that is closed with a balance on  it, 

never have any relationship with chase :-(

[Anonymous]

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@Anonymous wrote:

Well I only have one cc that is closed with a balance on  it, 

never have any relationship with chase :-(

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That closed card with a balance is killing your utilization -- It "looks" as if you have a card completely maxed out.

Pay it off and you should see a sufficient increase to start applying for prime.

[Anonymous]

Right now I dont have the money to pay it off, what car can I apply for and transfer that balance?

[Anonymous]

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@Anonymous wrote:

Right now I dont have the money to pay it off, what car can I apply for and transfer that balance?

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Unfortunately this is one of those Chicken and the Egg situations..

In order for your scores to come up sufficiently for a good balance transfer capable card, You need to pay down that balance.

But in order for you to pay off that balance. You need a good balance transfer capable card.

- I'd suggest Discover, but your EQ score will likely garner a Denial.

- I'd suggest Chase Slate or Freedom, but your EX score will likely either result in a Denial or a limit so low as to be useless for that purpose.

- I'd suggest a Barclay's Rewards MC, but your TU score while you may get an approval will likely result in a limit so low as to be used for that purpose.

I'm running out of options here, friend.

[Anonymous]

What about if I tray to get a Chase Slate or Freedom with  low  limit to lower my utilization?, garden it for few months, lower the balance on that closed account and then go for prime cards?

[Anonymous]

hey I already have a barclays rewards mc with a 1500$ cl !

[Anonymous]

Would a cash advance on his credit union card to pay off that closed card help?  Personally I think if he can't come up with $750 to pay that one off he doesn't need a new card but needs to focus on paying off the ones he already has.  His scores are never really going to take a huge jump with that tax lien.  

[Anonymous]

What exactly are you trying to accomplish?  How is adding another card going to help you?