Hi Everyone! Just hit one year of my rebuild, need some advice on how to proceed! CapOne secured just unsecured at 11 months did call case by case basis next day boom congrats you’ve upgraded 600 XL just paid off self lender already got the check 12 months history. got 3 month old CaponeQS 2 more pymts till Cl of 200 creditsteps. Don’t laugh 300 secured green dot visa 4 months and one more got a credit one 400 yesterday AAOA 8 months 1% until one collection will fall off 2021 As of today exp 688, Tu 678, Eq 687 these are FICO Scores. Inq 2ex, 2 eq, 3 tu. Prequalified Amex gold and green, Discover it and chrome with 24% apr, did Boa got like 5 options not sure if that meant prequalified or not, chase O, Citi 0. So my question is now what! I’d like to get one card with a higher cl but does my history and scores allow this, will I get denied because of the collection acct.should I garden till I’m in the 700 club?
