Things are going great! What do I do from here?

[Funk-O-Meter]

I've been rebuilding for a couple years now.

Waited for baddies to fall off.

Got a sub prime Orchard card with low CL

Gardened.

Got a small CLI

Gardened for a year.

Apped for a Chase Freedom. Approved 1K limit!

Apped for an AMEX BCE. Approved 2K limit!

Gardened for 5 months.

Requested AMEX CLI online. 3X CLI increase!

So now I'm looking pretty good.

$7.5k in available credit.

16% overall UTIL

No lates.

Last hard pull should have been Amex app 4 months ago (if everybody else is telling the truth )

What now? I'm looking for a small auto loan in a few months. Used car. 10-12k or so. What do I do from here?

[jamie123]

You're GOLDEN!!!

Good job!!!

It looks like you can garden for a long time now. Just a little planting and pruning.

After your AMEX is a year old you might consider getting 2 more prime bank cards. 1 card each from two of these banks:

CitiBank

Bank of America

Discover

Barclays

Wells Fargo

Then you would have 4 prime bank cards and then you could close the Orchard card.

What do your current scores look like?

[Funk-O-Meter]

Well I haven't bought my scores honestly. I asked AMEX and Chase when I opened the accounts but that was 4 or 5 months ago. So all I've got is FACO's. 698 (CC) and 714 (Sesame.) And those where before my AMEX CLI which would drop my overall UTIL from 37% to 16% or so. And I'm paying down in the next week or so so that'll be even lower.

I know a few Credit Unions and CC's give you monthly scores but where can I get all three without spending a lot?