I have quite a few negatives on my credit report...most are about to fall off in 2015, thats including a BK in 2005...i have 2 in collections that im gonna try PFD. My scores were 569, 573, and 596 a month ago before I disputed and had 3 negs removed, successfully PFD a $105 Collection, and PIF a $75 collection.
I currently have a care credit (ge capital) $4k limit with $1350 balance and a student loan $2100 balance. Im an AU on a Lowes credit card that has $0 balance (unsure of credit limit). After 2015, i will have 4 negs on my CR....2 student loans that were sold to Sallie Mae that i am now paying, 1 CO credit card sold to CA, and the $75 PIF collections.
Whats my best route and what kinda score can I expect to see in the next 2 years as long as I pay everything accordingly? I'm leaning towards getting a secured CC and a joint CC, and maybe a small installment loan. Thatd put me at 4 open CCs and 2 installments. Would I be good to leave 3 of the CCs with $0 balance and let 1 report 1-9% balance each month?
Any advice would be much appreciated
(EX08 - 654) --- (TU08 - 643) --- (EQ08 - 667) --- (EQ04 - 676)