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Yesterday I paid nearly all CC debt off after looking at my bank account I went ahead and pulled the trigger. My goal is to get a nice enough bump in my scores to get about two prime cards that has perks, Discover and AMEX is what I can hope for. Here is a look at my profile:
Payday loan $100 PAID/closed May 2008
Freedom (installment) $315/$3,000 Jan 2014
USA Dis (installment) $1,300/$2,400 May 2014
Firestone CC $0/$700 Nov 2014
USAA CC (secured) $140/$250 Dec 2014
USAA CC (unsec) $380/$500 Dec 2014
Vicoria Secret SCT $0/$500 Dec 2014
JCrew SCT $10/$250 Dec 2014
Express SCT $0/$500 Dce 2014
Overstock SCT $0/$250 Dec 2014
HSN SCT $0/$750 Dec 2014
Buckle SCT $0/$500 Jan 2015
NFCU CC (secured) $0/$500 Jan 2015
Car Loan $10,138/$10,725 @15.64%
Pioneer (installment) $2,365/$2600
*NO MISSED PAYMENTS
Collections:
Ameren UE $389 (Tu,Eq, Ex)
Laclede Gas $642 (Eq)
Inquiries:
TU: 0 EQ: 10 EX:12
Scores (hasn't been updated since the payoffs)
EQ 637 TU 595 EX 645
The USAA CCs will get paid in full this week
@Anonymous wrote:
Have you tried hitting the love button with your store cards? Vs bumps me up about every four months.
For some odd reason, the buttons don't work for me. When I press the button it just refreshes the page
Too many store cards, IMO. You need to establish a few more bank cards and start trimming back those store cards. I would suggest apping for a couple of Capital One accounts. I don't see you getting a big enough bump for the cards you are looking at (yet). Discover might be a go, but I would wait on Amex until you're at 700.
Why so many installment loans, if I may ask?
Send PFD's to the two collections accounts if you have the money. Maybe look for a card that will give you 0% for BT's. That will help keep you from accumulating interest on some of the balances and the extra cl will help with your UTI.