What do I need (if anything)?

NY_Beauty · ‎11-10-2012

I have the following cards all with zero balances right now as I PIF each month:

JCP $700

Orchard Bank $300

Capital Bank (Open Sky) SECURED $700

Personal loan at credit union $400+ left on $1000 credit builder loan

Student loan payments ontime and pay more than due

Honda Finance pay ontime and more than due

I am about to apply for a mortage in a couple months and want to bring up my score even more. Should I add another secured card? Should I just sit tight until after the processing? I just want to bring up my score if I can. I have the minimum 640 (mid score) required for the FHA.

What do you think?

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daybreakgonesXe · ‎11-17-2012

3 cards should be good enough! instead of applying for a new secured card, I would add more money into your current one to show higher tradelines! it's better to remain as inquiry and new account free from this point on as possible before your mortgage best of luck!

EQ FICO 730 Credit Karma (TU) 5/6/13 763 Transrisk 5/14/13 849/990 CreditSesame (EX) 5/8/13 779 Credit.com (EX) 5/7/13 758/900 FICO Estimate 760 Vantage Estimate 832/990

TrishN · ‎11-05-2012

Open an mortgage they don't want to see open any trade line in 6 months. Your credit score low because you have short credit history. Or maybe your credit card did not update informationt lately . You have to pull all 3 report let see if they reported right.

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creditnocash · ‎07-23-2012

this post would be better suited for the mortgage loan section but anyways

is your current score current?

aaoa?

any baddies?

your honda finance what is that? like the amount

paying more sadly does not do much besides lowering util which counts less on an installment loan vs revolving.

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

TrishN · ‎11-05-2012

Look at that picture . I guess less than 1 year AAOA,Honda finance seem like couple months. With all that credit card . And credit score and he said PIF each month. Then AAOA less than 1 year

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Mortgage Loans

What do I need (if anything)?

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Re: What do I need (if anything)?