All you experts -- recommendations?

[Anonymous]

Anyone who is willing to give their $.02, I'd love to hear it.

Here's my creditworthiness picture:

TU FICO: 632

EQ FICO: 654

EX FICO: 652

HH income: $60k/yr

Current util: 8%

AAoA:  ~2 years

1 settled collection reporting (PayPal from 2013), and a 3 other chargeoffs from 2012/2013 (including a $900 CapOne that I'm in the process of paying off as we speak). Other 2 are setlled in full.

I definitely don't want to waste inquiries, so in all of your expert opinions, which card(s) would I be best suited for? Mind you, I'm not really interested in store cards. Do we think CapOne would have me again?

Thank you!

[Anonymous]

BUMP

Anyone who'd like to pick out a few cards for me--feel free! Thanks!

[Anonymous]

Chargeoffs are too recent for anything particularly great...

I suggest some secured cards to start showing positive history. STAY AWAY from Comenity unless you actually shop at any of their store card offerings.

[Anonymous]

Give CapitalOne a shot..I am currently in collections with CapOne and I have 3 cards with them, go figure..

[Anonymous]

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@Anonymous wrote:

Give CapitalOne a shot..I am currently in collections with CapOne and I have 3 cards with them, go figure..

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Journey is a good card to try out with them. No AF and 1.25% CB, Easily PC to QS down the road.

[Anonymous]

I actually have 2 secured cards and a Credit One card that I use about 10% of, and PIF every month.

Also, CapOne's website says that I'm 'pre-qualified' for their Platinum and QS1 cards. I'm just not sure how trustworthy these pre-quals are?

[Anonymous]

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@Anonymous wrote:

I actually have 2 secured cards and a Credit One card that I use about 10% of, and PIF every month.

Also, CapOne's website says that I'm 'pre-qualified' for their Platinum and QS1 cards. I'm just not sure how trustworthy these pre-quals are?

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They are trustworthy...

But rather than pay AF on a card I suggest rather a Journey. Very similar rewards and no AF.

[Anonymous]

Nixon,

Just a couple of weeks ago, I opened my first and only Comenity card (J. Crew). I occasionally shop there, but more just did it for the utilization benefits. Why do you warn to stay away from them, though?

[Anonymous]

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@Anonymous wrote:

Nixon,

Just a couple of weeks ago, I opened my first and only Comenity card (J. Crew). I occasionally shop there, but more just did it for the utilization benefits. Why do you warn to stay away from them, though?

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It is a critical mistake many rebuilders make....Applying for too many store cards.

[SecretAzure]

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@Anonymous wrote:

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@Anonymous wrote:

Nixon,

Just a couple of weeks ago, I opened my first and only Comenity card (J. Crew). I occasionally shop there, but more just did it for the utilization benefits. Why do you warn to stay away from them, though?

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It is a critical mistake many rebuilders make....Applying for too many store cards.

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Listen to this man! Preach! 1 isn't bad though...just don't get any more.