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Advise needed

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Anonymous
Not applicable

Advise needed

Hello,

  I have been working hard on my own to rebuild my credit.  Started with a mid 500 score almost 2 years ago.  After constant work i've gotten a PFD or removal on all my badies.  I have only 2 CC 1st Progress (secured $300 held 2 years) and a Credit One ($400 help 1 year) I don't carry a balance on either card. AAoA 1.5 years?  I show 9 inquires with all but 3 aged 12+ months. My online scores: Credit Karma 724,Lending Club 746,Credit.com 738, Credit Sesame 739, Credit One 680.  My goal is a motorcycle loan of approx $15,000 (after $4000 down) in Feb.  Any advise on what i can or should do?  I know only 2 CC (with low avalable) makes for a thin file and my AAoa is low also.  Just not sure what my next move should be.

Message 1 of 4
3 REPLIES 3
Anonymous
Not applicable

Re: Advise needed

Just a bump to ask one more time for ideas from those that may know.  Should i apply for a few more cards, adding to my file BUT hurting my AAoA? Should i let it sit for the next 4 months before i try for a loan?

Message 2 of 4
Anonymous
Not applicable

Re: Advise needed

Try using the MyFICO simulator for suggestions? I'm fairly new to rebuilding credit and there are members here who could help you much more than I could....but that's what I got.

Message 3 of 4
eric19k
Established Contributor

Re: Advise needed

Try Credit Union. You shouldn't have any problems getting a loan with them
TU Scores:
May 2014- 466
July 2014- 537
September 2014- 602
Goal Scores- 720 by March 2014
Message 4 of 4
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