topic New to the community in Credit Cards

New to the community

Anonymous — Wed, 08 Aug 2012 16:52:28 GMT

Looking for any advice anyone can offer! Make good money but feel on rough times. Have 8 accts (occured 1-2.5 years ago but trying to have them removed) that are paid in full charge offs; however, all my other accts are reflected as current...no lates...paid on time. Have an orchard acct with $320 limit (use every month PIF), Saks credit card $100 limit (work there part-time for the discounts), husband jared's account as a co-applicant (balance $1163) and recently was approved for a BoA CL of $3000. Should I apply for anymore credit? I would like to apply for a AMEX Costco...but if anyone have any other cards suggetions I am interested. Thanks

EX 565

EQ 550

TU 602

Re: New to the community

jsucool76 — Wed, 08 Aug 2012 16:53:34 GMT

Are these scores FICO or FAKO?

Re: New to the community

p- — Wed, 08 Aug 2012 16:58:44 GMT

I think your best efforts are removal of the bad accounts. Keep working the PFD and GW process... and Good Luck.

Re: New to the community

Anonymous — Wed, 08 Aug 2012 17:01:04 GMT

Those are my FAKO

Re: New to the community

CK_Charles_Lover — Wed, 08 Aug 2012 17:03:20 GMT

+1 don't go backwards by applying to early keep moving forward. Your not ready for Amex yet.

TRUST me, the best thing you can do for your credit now is READ, READ, READ this forum and your score will sky rocket in the next year to two.

Re: New to the community

Anonymous — Fri, 10 Aug 2012 18:10:33 GMT

Any adive on how I should use the BoA credit card in order to help boost my CLI in the future and how it is reported? Thanks!!!