I know that's it's hard to answer this, but here's my situation: I had collections on my CR and they all gone except for a car loan CO back in 2011 which is supposed to fall from EQ next May. The other two EX and TU are clean. I pulled my CRs and the only one with a baddie is EQ.
I checked my scores using myfico, and I only got the EQ one at 623. I'm assuming because of the oldest bad account is still there so they generated a score, the others not enough data.
Here's the other types of scores I got:
FICO® Score 5: 715
FICO® Auto Score 8: 604
FICO® Auto Score 5 : 714
FICO® Bankcard Score 8: 601
FICO® Bankcard Score 5: 737
FICO® Score 9: 638
FICO® Auto Score 9: 646
FICO® Bankcard Score 9 : 636
I got 4 credit cards all in December 2017/January2018: CapitalOne secured ($400); Discover IT Secured ($400); US Bank secured ($400); and CapitalOne Quicksilver ONE unsecured ($300).
I have all balances at $0 except for QS1 which I use it to pay for myonline stuff; and have it at around $20 balance when the cycle closes.
I screwed up applying for many cards so I have like 9 HP on my reports mainly EX.. because I was in the U.S for new year so I tried to get some cards while visiting. I'm curently working abroad and i will go back home in two years so I don't have a choice but gardenning these two years because I can't apply anyway while i'm abroad.
My goal is to have a decent score when I come back so I can buy a car, and a house. I have cash and that's why I didn't care really all these years about reparing my credit until now.
If I keep paying my card and not applying these two years what score I can expect when i'm back to the states? and what cards should I consider next.
This forum is being a great help and I really thank you all. I wish I found this when I was younger, but you live and learn.
Thank you in advance!
