Now what do I do?

[Anonymous]

So I have a few small cards.....Vs $250, AF $250, Boscovs $250, Indigo $300, Gander $1000, BJs $1000

my scores have gone up a little from when I first started to rebuild I was at 500 across the board..... Current- 598EQ, 590TU, 627EX

now what do I do to ensure that my scores keep going up? I want to build a nice profile and get higher limits. So far NFCU won't touch me other than a secured card, which I am debating on.....

[Anonymous]

Secured prime cards are superior to subprime unsecured ones.

What's your utilization on each card?

Any Installment Loan reporting open?

[Anonymous]

Do you have late payments or collections currently on your report? What's your util like?

[Anonymous]

Iam unsure what my utl is on my card...I am in the middle of paying them all to zero right now. I have 5 lates on my report from 2 years ago when my husband was laid off. I do have a small installment loan open, balance is $3000

[Anonymous]

I do have some old coll from 2 years ago when my husband was laid off. His pay is what paid all out bills so when he got laid off it hurt us bad financially. We are since rebuilding. 

[Anonymous]

If you're rebuilding you should put a spreadsheet together with each credit limit and balance left and minimum payment so you can figure out your budget!

Figuring out your credit balance to limit on each card will help us help you.

[Blackswizz750]

Right now dont app for anymore cards or SCT items. LIke others said on here, put your items on a spreadhseet and figure out your monthly budget. Get the cards paid off as soon as you can. On the collections, see what you can do if you still owe them(some CA may do a paid for delete and goodwill letters for the lates you have) but time is really the best medicine for most along with the lates you have.