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I've been working on rebuilding a credit since June 2013. I have a bunch of old student loans that were transfered and charged off and have been slowly dropping off my report. I know have them all consolidated and they are now current. I also have 2 bankruptcies from 10/2010 and 11/2010 that were both dismissed. Here's what cards I do have:
Capital One Secured $1K limit- Opened 6/13, I closed 2/1/15- $0 balance
FingerHut Fresh step upgraded to regular line , started with a $400 cl currently have a $1,650 cl- $0 balance
Capital One Platnium upgraded to Quicksilver $3,750 limit-opened 11/13 started with credit steps with $500 cl then $750- Charge around $500 a month and pif
AU on USAA- 25,000 cl-opened 9/13- Currently have a $10K balance and paying $1,500 a month
Barclaycard Rewards $1,500 cl- opened 1/15- $0 balance- will be using for groceries and phone bill ($500) and pay in full every month
VS $500 cl-opened 2/15 preapproved- $0 balance
Ann Taylor Loft $500 cl opened 2/15- $0 balance
Equifax 609 Transunion 610 Experian 650
What are my next steps to get my credit score up and what card should I apply for in 6 months?
@Anonymous wrote:I've been working on rebuilding a credit since June 2013. I have a bunch of old student loans that were transfered and charged off and have been slowly dropping off my report. I know have them all consolidated and they are now current. I also have 2 bankruptcies from 10/2010 and 11/2010 that were both dismissed. Here's what cards I do have:
Capital One Secured $1K limit- Opened 6/13, I closed 2/1/15- $0 balance
FingerHut Fresh step upgraded to regular line , started with a $400 cl currently have a $1,650 cl- $0 balance
Capital One Platnium upgraded to Quicksilver $3,750 limit-opened 11/13 started with credit steps with $500 cl then $750- Charge around $500 a month and pif
AU on USAA- 25,000 cl-opened 9/13- Currently have a $10K balance and paying $1,500 a month
Barclaycard Rewards $1,500 cl- opened 1/15- $0 balance- will be using for groceries and phone bill ($500) and pay in full every month
VS $500 cl-opened 2/15 preapproved- $0 balance
Ann Taylor Loft $500 cl opened 2/15- $0 balance
Equifax 609 Transunion 610 Experian 650
What are my next steps to get my credit score up and what card should I apply for in 6 months?
Get your balances down on the cards, you want only 1 reporting a balance of 1-9% of its individual CL. I would suggest you post in the credit card forum for specific card recomendations as you near that 6 month timeframe. Welcome to My Fico