Hi! I am currently rebuilding after many mistakes in the past. Score was at 522 CK before going up to 639 CK now. I checked on my FICO a week ago and said I was at 616 before my limit increases from Cap One. I am trying to get maybe one or 2 more cards to help with utilization. Currently at 40% until. I am planning on keeping that closer to 20. I have a Cap one secured, platinum and quicksilver one. I also got Amazon for 800 and express for 250 (via shopping cart trick). Any cards I can try for? Any help would be appreciated.
Get your util down a little more. Maybe consider apping for Barclays Rewards MC, they approved me with a TU right in the neighborhood of yours...
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more! Total CL $398600, plus car and RV loan. Ooh. Ooh. Getting closer to that $500K mark!
I was going to also say get your utilization down, but if inquiries are an issue I'm not sure you want to be apping for anything. It may be best to work on the utilization and garden for a bit to let things grow.
Total CL: $321.7k
UTL: 2%
AAoA: 7.0yrs
Baddies: 0
Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping
