First of all, thanks to all contributors here which are helping everyone. We often don't know where to begin or how to move forward. Your help is invaluable!
First question: I'm looking for recommendations for one more card. I've applied at all the prequal sites I can find and don't qualify for anything except CreditOne, Milestone, Indigo, etc. Not interested in those. Or I get "no offers were found for you" but you might like these.
History:
Ch7 BK filed 3/31/14 Discharged 7/14/14. Burned Target Visa, Synchrony (JCP and Sams), Chase, American Express, Citibank, Capital One
Currently have these cards and limits: Cap1 QS $10,000 Discover $2,600 Kohls $300 AU-Barclay $4,800 AU-Merrick $2,650
Current FICO8 Scores: EQ 666 TU 636 EX 647
Utilization too high...I'm working on it =)
1 inquiry in last 12 months, 2 in last 24 months
AAOA 11 yrs 5 mo
Oldest account 22 yr 9 mo
Second question: My credit report shows two closed mortgages. One is truly closed with no baddies. The other is closed as a result of bankruptcy. I've requested the lender to start reporting my payments again as I have never been late on this account even through the bankruptcy proceedings (did not reaffirm). They have declined. Should I take out a secured installment loan to help scores? Or are the closed mortgage accounts enough to satisfy that aspect.
Thanks for your help. I truly appreciate it.
