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.