01-20-2012 06:43 AM
01-20-2012 06:50 AM
If that's your only CC, and that CC is free of any lates and has a low util, and your scores came from a lender, then I predict a solid double-digit gain into the low 600s. There's no way of accurately predicting, or even guesstimating with the info provided, so as always, YMMV.
01-20-2012 07:07 AM
Actually I'm sorry, i was remiss in not giving all the details-I have a secured card thru applied bank with a $1000 cl, a capital one which originally had a $350 cl but they recently bumped to $750 and then i just applied and was approved for an HSBC at a $750 cl. I use these cards every month and pay way more than than the minimum so that I show a good payment history.
Also have a car loan thru Chase and a personal loan thru Lendmark. All the aforementioned have been opened within the last 2 years and all have been paid on time, every time.
My bancruptcy was discharged in 08/08 so I am desperately trying to get to 620 to secure a mortgage loan.
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