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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.
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?
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.