Hi Everyone. OK, so from August of this year till tod, my scores have gone as follow.
EQ-523 to 667, EX -526 to 684 and TU-524 to 655.
I just opened a capital one Platinum card ($300) at the beginning of August and a QS1 ($500) at the end of August. I hit the luv button for the both the Platinum and QS1 after the second statement and was was bumped up to $800 and $1500 respectively. In October, I applied for an Auto loan through capital one and was give the max of $40000 but only used $22000 of it to finance a new car. The downside of that is, the dealership ran my credit to about 10 different lenders trying to find a better APR than 4.1% (big mistake). I took a few hits but my scores are those above. As of today, I upgraded my platinum card to a QS card with cash rewards.
I have a collection account on my TU only for $311. Should I apply for anything else to maximize my credit scores and if so what do would you recommend?
Summary
- Quicksilver One $1500 (credit steps, third statement)
- Quicksilver-$800 n(credit steps, 4 statement)
- Capital One Auto - $22000
Any help is greatly appreciated.
Thanks for responding you all. I checked the CO pre-qual and the only thing that comes up is what you see below. Are there any cards that pull strictly from Experian that you would recommend?
Primary Benefit
Earn unlimited 1.5% cash back on every purchase, every day
Purchase APR
0% intro APR until September 2016; 22.9% variable APR after that
Transfer Information
0% intro APR until September 2016; 22.9% variable APR after that; No Transfer Fee
Annual Fee
$39
We also suggest:
For card offers that feature a cash or miles rewards bonus, the bonus may not be available for existing or previous accountholders.
i put down average.
OK