I'm looking to open another CC line.
I want a travel/airline miles CC.
With my current credit situation, what would you suggest for me to apply for?
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Here is my most recent (02/28/2016) Credit report.
*Fico Score 8
Transunion- May'15 580 / Today- 707
Experian- May '15' 587 / Today- 707
Equifax-May '15' 590 / Today- 719
*Fico Bankcard score 8
TU-709
EX-706
EQ-712
*Fico Bankcard Score 3
EX-677
*Fico Bankcard score 2
EX-702
*Fico Bankcard score 4
TU-687
*Fico Bankcard score 5
EQ-682
*DROGS-
EQ-3 (4 late payments 30+days/3 late payments 60+days)76% accounts always paid as agreed
TU-4 (5 late payments 30+days/ 4 late payments 60+days) 72% accounts always paid as agreed
EXP-2 (3 late payments 30+days/2 late payments 60+days) 85% accounts always paid as agreed
*Revolving balances to credit limits-
EQ- 4%
TU- 4%
EXP- 4%
(See below for actual revolving accounts)
*Oldest Account opened-
EQ- 9 years, 5 months
TU- 9 years, 5 months
EX- 9 years, 5 months
*AAOA-
EQ- 5 years, 2 months
TU- 6 years, 2 months
EX- 5 years, 6 months
*Most Recent Late Payment-
EQ- 2 years, 6 months ago
TU- 1 year, 7 months ago (Not sure why this one is different. My last late payment was my old auto loan in Aug 2013)
EX- 2 years, 6 months ago
*Inquiries (12 months ago-Current)
EQ- 4
TU- 2
EX- 6
*Collections-
EQ- 1 (Showed up yesterday, it was assigned in 2011 and I have no idea why it is reporting now. It’s Medical for $52.00. It has NEVER showed up before on any of my credit reports. I’m trying to get a PFD this current moment)
TU-0
EX-0
*Revolving accounts- (No negative, or Closed accounts, just 3 open)
1-Credit One Bank Secured Credit Card- $450 limit (Opened May:2015)
2-Capital One Secured Credit Card- $500 limit (Opened Mar:2015)
3-Local Credit Union Unsecured Credit Card- $500 limit (Opened Feb:2015)
(Note: I have never requested a CLI on my unsecured card. My secured cards started off with a very low available credit and over the past year they just have been doing CLI which is surprising)
*Installment Accounts 21 accounts total: (7 open, 14 closed, 7 negative)
Open- (Never late on any)
1-Cosigner Car lease-
Jan 2015- 15,000 balance left.
2-Credit Union Auto Loan
Jun 2015- 10,000 balance left
3-Credit Union Personal Loan Unsecured
Jun 2015- $360 balance left (Original loan was $1000 to help establish good credit)
4- Student Loans
Jan 09- $422 balance left
5- Student Loans
Jan 09- $159 balance left
6- Student loans
Aug 08- $845 Balance Left
7- Student Loans
Aug 08- $563 Balance Left
(4, 5, 6, 7, are all the same student loan agency. They picked up my loans from rehab Feb 2015.)
*Negative Accounts- (All balances $0)
1- Credit Union Auto Loan- Opened 2009. Closed March 2015. Paid as agreed.
Late 30 Days- (Aug 2013 was last recent late payment date)
EQ 7 times
TU 4 times
EX 6 times
2- Guar Student Loans- Opened Jan 2011, Closed to collection in Feb 2013.
EQ-Didn’t report this
TU-Didn’t report this
Ex-Late 1 time 90+ Days
3- Guar Student Loans- Opened Jan 2011, Closed to collection in July 2013 (Each CA shows different closed date)
EQ- Late 22 times 90+ Days
TU-0 times late
EX- 1 times late 90+ Days
4- Guar Student Loans- Opened Jan 2011, Closed to collection in July 2013. (Each CA shows different closed date).
EQ- Late 22 times 90+ days. 120+days past due
TU- 0 times late
EX- Didn’t report this
5- Nelnet Original Student Loans- Opened Sep. 2006. Closed Nov. 2009. Perm assigned to government.
Eq- late 2 times 90+ Days
TU- late 11 times 90+ days
EX- late 11 times 90+ days
6- Nelnet Original Student Loans- Opened Jan. 2007. Closed Nov, 2009. Perm assigned to government.
EQ- late 2 times 90+ days
TU- late 11 times 90+ days
EX- late 11 times 90+ days
7- US Dept. of Education- Opened Aug. 2008, Closed Jan 2012.
EQ- late 0 times
TU- late 8 times 90+ days
EX- late 9 times 90+ days
ALL NEGATIVE STUDENT LOAN STATUSES STATE: LATE 120+ DAYS
(Back story on negative items: I defaulted on original student loans. They got picked up by Guar Student loans. Started payments to them and then stopped. Loans were reassigned to US Gov. I was able to get into another student loan rehab in 2014. Completed 9 required payments. Transferred student loans to regular payment plans. Now loans are almost paid off and you can see balances of them in my open installment accounts).
