MOST CCs PAID OFF, NEED YOUR HELP!!

[Anonymous]

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]

Have you tried hitting the love button with your store cards? Vs bumps me up about every four months.

[Anonymous]

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@Anonymous wrote:
Have you tried hitting the love button with your store cards? Vs bumps me up about every four months.

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For some odd reason, the buttons don't work for me. When I press the button it just refreshes the page

[Anonymous]

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?

[Anonymous]

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.  

[Anonymous]

I'm leaning towards a refinance with DCU or NavyFed for a lower interest rate, LOC with Navy, NFCU Rewards Visa, Barclays Rewards and pull the trigger on Discover IT since a preapproval showed in the mail a couple of months ago