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HELP! Point Me in the Right Direction

Regular Contributor

HELP! Point Me in the Right Direction

I am rebuilding following Chapter 7 discharge in October (7 months ago). My scores as of today are below and inquiries are as follows:  TU (3) EQ (5) EX (4)

 

I have two Capital One cards- a Platinum at $3800 limit, a Quicksilver at $10,000 limit and some Comenity cards for a total of $17,000 in credit

Utilization is at 30%

 

My goal is to get a mortgage as soon as I'm eligible for FHA next year. In the meantime, I'd like to get one more card so I have time to build with that. I will be moving the Platinum CL into the QS.

I was considering NFCU but that's out now. I am thinking either Discover or Barclays. Any thoughts on my chances on either one? Barclays CashForward is the one I was looking at.

 


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693

Gardening since 9/7/17 Aiming for a mortgage October 2018
4 REPLIES
New Contributor

Re: HELP! Point Me in the Right Direction

Did I read your scores right? TU (3) EQ (5) EX (4)
Contributor

Re: HELP! Point Me in the Right Direction

Are those your real scores?
Regular Contributor

Re: HELP! Point Me in the Right Direction

That made me snort! Smiley Happy No, those are my inquiries. Scores are in my signature..... I just realized they don't show on mobile. I don't recall exactly, but all three are in the 690s.

CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693

Gardening since 9/7/17 Aiming for a mortgage October 2018
Highlighted
Contributor

Re: HELP! Point Me in the Right Direction

Lol oh ok.