HELP GURUS!! WHAT TO DO NEXT??

teamgray · ‎09-13-2013

@JamesKnox wrote:
@guiness

My UTIL is 0 right now. Which I assume isn't good. That's why i'm thinking that if I let this 3 dollars report...it can do quite a bit of help.
Thoughts?

You also should also have another secured card, that will also give you another boost. same rules apply, keep UTL under 9%

Starting Score: 612 EQ 6-1-2013
Current Score: 12-26-13 656 EQ(FICO) 608 TU(FAKO) 632(FICO) EX
Goal Score: 700 FICO on all three by 7/1
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JamesKnox · ‎09-13-2013

teamgray...

yea...i was going to just do the opensky card...but it's just such an ugly card...I lost my enthusiasm. Let me go work on that now. I'll just do that and see.

I hope it doesn't take them forever to report. My BofA card reported ONE DAY after I applied.

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
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09Lexie · ‎09-13-2013

You can try SDFCU secured card. No Hp required but it does not graduate. Rates are low too

SDFCU.org

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