Well, I've been fixing my credit since October 2013. I have been able to reduce my collection acounts debt from $6,367 to $586 (Equifax was worst). Macy's credit card is the $586 and is the most difficult! They did not want to do anything about it! I wanted to pay it off completely and reopen the account but it's supposed to be coming off sometime in 2015. I do not mind i guess!! So the two closed accounts are Macy's at $586 and Capital One which is at $0 but both are negative and should be coming off soon.
January 2014 I applied for a Capital One secured credit card and got $200 limit with a $99 deposit and $29 annual fee. I have been on time with payments, made triple the minimum payments and also pay it off to a zero balance. So pretty much I buy something from a place that can be anywhere from $50-200 and I either pay it off or take two months to do so!
March 2014 I applied for the Amazon Store card since I like to get stuff from there and decided it would be something I can really use! I was accepted right away with a $600 limit. I have already made a payment for half the amount before the first statement came in.
I'm wondering if I should just stick with these two cards until my credit is over 700 or is there another card I can get to help boost my score even more.
I'd really like to qualify for the 0% APR on a new car and know that I would need a top notch score for that! So looking to get it end of the year beginning of next.
The only score I am really able to keep track of is Experian and right now it's 656!! I know that's low, but i swear it was so bad i never thought I would never see the 600's lol
Barclay$1450/Cap1 QuickSilver1 $1300/BofA $1,000/ChaseAmazon $1,000/Amazon $2500/Old Navy $800/REDcard $800/Walmart $600/PayPal $1900/Game Stop $350-5/8/14 638..8/12/14 696..10/2/14 712
