Contributor
tboy1977
Posts: 221
Registered: ‎07-11-2012
Re: New here. Few questions regarding credit cards

Mine is in my signature, but I'll post here.  I have an auto installment for 4 years at 30% APR.  I have four secured CCs: Capital One at 3K limit, PNC at 1300, NFCU at 1K and Coke CU at 2500.  I also have a card with Target for 200 (not much I know, but its unsecured credit).  No AUs here.  The secured cards are my money to the dime :-)

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)