Where to go Next?

[AlwaysLearning55]

Hi All,

  BK7 was discharged in 8/2017.

Since then I have been able to build back up to a score in the low 700's.  I never carry a balance and all cards are PIF on a monthly basis.

Current Profile:

Car lease with Ally 

Cap 1 quicksilver- 7k

Discover- 2,000

PenFed Cash 5k

Penfed pathfinder 10k

Apple Card-7500

AMEX and Chase both IIB 

Any suggestions as to where to go next? 

I don't have any military family so Navyfed isn't an option. 

[JoeRockhead]

Sounds like you're doing pretty well, where do you want to go, do you have a certain goal in mind? Depending on how old your accounts are you could ask for some CLIs. You seem to have a decent mix with the auto lease and the revolving accounts so other than gardening and adding more time and payment history to your profile, considering it's a new year, you might be able to revisit your relationship with Amex.

[FireMedic1]

Welcome @AlwaysLearning55 

Not bad since BK. Having all accounts report a $0 balance you leave 15-20 pts on the table. Have a card report say $20 after statement date. Then PIF as you usually do. If you pay AMEX back. They will let you back in with the Optima card.