Re: Looking for advice.
11-09-2012 11:51 AM
Rather than starting a new topic, I'll revive my old one.
Currently my score is 659. It took a big dip to 640 when I had to max my card in Aug. I know this was going to happen, but not this much.
Recently my limit on my CC has increased to $500 about a month ago and i got approved for a Walmart yesterday for $400 I believe.
I also payed of one of my debts with was only $200, but i still have others.
I have two questions.
Whats my next step in building my score and what should the 3rd card be.
Your Walmart card is a GE card. That's good, they grow. You can try for a CLI in about 4 months. You could try a secured card, maybe one that will graduate. BOA or WF are a couple of ones that come to mind.
What are the negatives on your CR. You say you paid some, didyou get the TL removed? If not have you sent a GW to them?
Is it better to pay a debt in full or pay the settlement...or does it not matter.
Doesn't really matter, the negative still reflects no matter what. Try a PFD for those, it would be better to get them removed.
Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!