Hi everyone, I'm new here and I've done a lot of searching on the site to see if I could come up with an answer from some of the veterans on the board. I have been doing great rebuilding my credit.
Background:
I, as many young adults in college made a lot of dumb mistakes and learned that in life you need credit! I'm talking scores in the mid to high 400s and low 500s.
6 years ago I got a car from drive time paid it off and then 3 years ago I traded it in for a brand new Ford Mustang, however my interest rate was 13% with ALLY because my credit wasn't the best but I showed I was responsible with my drivetime car. So then 2 years ago I got a secured credit card from my bank BOA and it was low of only $300. They increased the limit earlier this year to only $900, but I was also approved earlier this year for a Capital One credit card with $3000 limit and then paypal credit card for $500. My car loan is on time and I keep my credit card utilization under 20%.
I was gettting Preapproval card offers from AMEX blue everyday card and I applied and got denied. I wasn't sad, I knew it was a shot in the dark. But anyways I want to trade in my current vehicle for a "new" used car from Carmax in december and I also want to get some more cosmetic surgery in April. I want to apply to care credit but I don't know if I should apply to them first or get my auto loan first. My fico8 score is 702
Scores are EX: 670
TU: 700
EQ:682
