ok so heres where im at. BK discharged 1 yr 6 months ago. since then i have a auto loan with cap 1, 11450 left. 3 cards...cap 1 300 limit..no balance...hooters card 500 limit...no balance...orchard bank 700 limit 400 balance..will be paid off in 3 days...fingerhut 700 limt no balance...8 inquries...everything has been paid on time, no baddies since BK...about 7 of the BK accounts are still on my reports listed as included in BK....
when should i take the step to start dropping the subrpime cards and go for something with rewards? alot of the bigger name cards were in my BK so idk if theyll take me back. I was thinking about applying for a jareds jewelry card to help pay something and also ive read that they usually give higher limits..so that would help my scrore as well....but dont know if i should as it may help me not get approved for something better cause of new credit and more inquries?
my current ex score is 661..idk my recent trans score i think it was about 621 3 months ago...
what shoud be my next step here to keep improving my credit???
