Rebuilding Your Credit

[pineappledaydreams]

My score went from 602 to 630 on eq! It's at 634 with ex! No changes yet on tu! For all those reason I started with an ex score of 388 in Feb 2012. I didn't gw or pfd. I settled for 25% on my total debt and just played the waiting game. Oh and I still have high utli on my Cc. Over 100% going to bring it down to zero! Any guess on how much my scores will increase?

[TrishN]

congrats, but PFD always better.

[pineappledaydreams]

=p I know but I didn't back then =(.

[madmann26]

I can see an easy 50 points or so but as always, YMMV.

[pineappledaydreams]

Thank you =)! I'm tempted to apply to a new cc but don't know where to begin =\

[madmann26]

Wait until your util is under 10% before applying for another card.

[pineappledaydreams]

So mid december =). Which card do you recommend? That's easy to get and worth having

[Epcot]

Congrats! You will definitely see a nice jump again with the util lowered.

[pineappledaydreams]

Thank you epcot! By the way Epcot is my favorite park at Disney world. <3

[jandj80]

I'm guessing once util is down under 10%, you will be sitting 650-665. I would say wait to app until the reports are all reflecting the lower util for a month or two. Then app to Capital One. I know a lot of folks like Chase, Discover, etc. But I see a much higher success rate in the mid 600 range with Capital one. It kinda seems like you need a 700 for the big guns, but that might just be me. Best of luck, and good job!