One Credit Card and One Car Loan...Now What?

[Anonymous]

My journey began with a Fico of 521.  After rehabbing my student loans and paying off some collections, I was able to get my scores to: EQ 587 TU 608 EX 621.  That's with a $300 CAP1 QuickSilver One showing and a $15,000 auto loan not yet showing.  And some collections that have been paid that have yet to update.  I'm looking for two more credit cards and a personal loan to payback my larger collections.  I expect to be in the 660 range once everything I have paid updates.  Based on my two new accounts, what CCs do you guys recommend I apply for?  My credit is not new and I have a previous repo from five years ago.

[Anonymous]

My journey began with a Fico of 521.  After rehabbing my student loans and paying off some collections, I was able to get my scores to: EQ 587 TU 608 EX 621.  That's with a $300 CAP1 QuickSilver One showing and a $15,000 auto loan not yet showing.  And some collections that have been paid that have yet to update.  I'm looking for two more credit cards and a personal loan to payback my larger collections.  I expect to be in the 660 range once everything I have paid updates.  Based on my two new accounts, what CCs do you guys recommend I apply for?  My credit is not new and I have a previous repo from five years ago.

[Anonymous]

Discover secured after one year can become unsecured

[Anonymous]

Do you have anything coming up soon that you need good FICO numbers for? You can gain some points with a secured installment loan. You do have a loan with that car but it's at 100% utilization. Adding an installment loan, then paying most of it off immediately will offset your loan utilization numbers.

[EAJuggalo]

I'll second the Discover secured.  Where do you do your primary banking?  You may want to look into what credit products they offer to see if one fits, sometimes a previous relationship can make all the difference.

[Anonymous]

OP you should check out the information at this link concerning the repo.  It's possible you could get it removed from your reports.  (Mod Cut-Im sorry direct links to that site cannot be posted on myFico-You can advise someone to Google it...)