After lurking for a few weeks, I decided to join today because I made a boo boo so to speak. After following my CK scores for a couple of months. I decided to get my true FICO08 scores. Here are the results Eq: 687 Ex: 658 Tu: 582. I have a credit card via my local credit union for $1000 (owe $677 will be at 29% util in a couple of days).My prob is the cu reports to Equifax only! I got a Cap1 plat mc for $300 I used $299 & paid $275 in a few pymts before my due date. I've only had the card 30 days and was able tp pc to QS/no annual fee. I will receive the card in the mail by Mon. I also have an auto loan with cu balance $2300. Also I had to take out a parent plus loan for my daighter for $15K. First pymt is 6/2020. I plan to st@rt making pymts now.
Here's where I messed up! I got excited about my 687 EQ score and applied for the Discover IT card. I was denied bc I had 13 medical collections on my report. I have 2 insurances. One pays 80% & the second kicks in when I have accrued a certain amt in bills. Ex veried all had been paid & removed every bill a few months ago. I forgot I never heard back from Ex & Tu. I got excited and applied for Discover IT on a whim. Im upset bc I have 7 inq on Ex (3 will fall off in June). Tu=6 (2 will fall of in June)and Ex=1. I plan to req a cli from Cap1at the end of May after my 2nd billing cycle.
1. How should I handle medical bills for Eq & Tu?
2. I need more credit bc the cu is hurting me by only reporting to Eq.
The cards I really want are WalMart, Cap1 Spark, Chase Freedom & Amex Everyday. I know I wont qualify right now until I garden for a couple of months: pay down cu card, req cli for QS.
Am I on the right track? I would like to apply for a mortgage this winter. Any advice you offer is greatly appreciated. Thank you in advance to taking the time to assist me.
