What else can I do?

[Anonymous]

The good:

1. NFCU Secured $2000 May/2015

2. NFCU Cashback $1000 September/2015

3. QuickSilver One $2000 July/2015 (already got 1st CLI)

4. Amazon store $600 Nov/2015

5. First Progress $300 May/2015

6. Student loan for $36622 opened Jan/2011

The bad:

1. Two charge offs with USAA from May 2011. 10k and 7k. Both are settled

2. CC utilization 37%

3. Two 30 day late auto loan payments to Honda 01/2011 and 05/2012 (already got 60 day lates good willed)

4. 8 Inquries for TU, 11 Equifax, 6 Exp

The plan:

1. Pay utilzation down below 9% this month

2. Let cards age

3. Get CLI on Amazon/NFCU

4. Garden

What am I missing?

[Anonymous]

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@Anonymous wrote:

The good:

1. NFCU Secured $2000 May/2015

2. NFCU Cashback $1000 September/2015

3. QuickSilver One $2000 July/2015 (already got 1st CLI)

4. Amazon store $600 Nov/2015

5. First Progress $300 May/2015

6. Student loan for $36622 opened Jan/2011

The bad:

1. Two charge offs with USAA from May 2011. 10k and 7k. Both are settled

2. CC utilization 37%

3. Two 30 day late auto loan payments to Honda 01/2011 and 05/2012 (already got 60 day lates good willed)

4. 8 Inquries for TU, 11 Equifax, 6 Exp

The plan:

1. Pay utilzation down below 9% this month

2. Let cards age

3. Get CLI on Amazon/NFCU

4. Garden

What am I missing?

---

Get a second Cap One Platinum card. Upgrade it to QS after the second statement. Then get the early CLI. Once the credit steps increase kicks in at 6 months, you can roll the QS1 into it and eliminate that pesky annual fee. Or wait for the 12 month mark for the additional CLI. 

[Anonymous]

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@Anonymous wrote:

The good:

1. NFCU Secured $2000 May/2015

2. NFCU Cashback $1000 September/2015

3. QuickSilver One $2000 July/2015 (already got 1st CLI)

4. Amazon store $600 Nov/2015

5. First Progress $300 May/2015

6. Student loan for $36622 opened Jan/2011

The bad:

1. Two charge offs with USAA from May 2011. 10k and 7k. Both are settled

2. CC utilization 37%

3. Two 30 day late auto loan payments to Honda 01/2011 and 05/2012 (already got 60 day lates good willed)

4. 8 Inquries for TU, 11 Equifax, 6 Exp

The plan:

1. Pay utilzation down below 9% this month

2. Let cards age

3. Get CLI on Amazon/NFCU

4. Garden

What am I missing?

---

My only concern there are the HPs seeing as CapOne pulls all three. I am looking to purchase around May time frame with the wife so I'm trying to stick in the garden. Could I not do a PC from a QS one to a QS in 6 months?

[Anonymous]

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@Anonymous wrote:

---

@Anonymous wrote:

The good:

1. NFCU Secured $2000 May/2015

2. NFCU Cashback $1000 September/2015

3. QuickSilver One $2000 July/2015 (already got 1st CLI)

4. Amazon store $600 Nov/2015

5. First Progress $300 May/2015

6. Student loan for $36622 opened Jan/2011

The bad:

1. Two charge offs with USAA from May 2011. 10k and 7k. Both are settled

2. CC utilization 37%

3. Two 30 day late auto loan payments to Honda 01/2011 and 05/2012 (already got 60 day lates good willed)

4. 8 Inquries for TU, 11 Equifax, 6 Exp

The plan:

1. Pay utilzation down below 9% this month

2. Let cards age

3. Get CLI on Amazon/NFCU

4. Garden

What am I missing?

---

My only concern there are the HPs seeing as CapOne pulls all three. I am looking to purchase around May time frame with the wife so I'm trying to stick in the garden. Could I not do a PC from a QS one to a QS in 6 months?

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I don't believe Cap One will PC from QS1 to QS. If you planning a mortgage app, then you should be fine as is.