please help!!

[Anonymous]

I am looking to raise my credit score. my current score is 639. my utilization is 60 percent. i owe student loans and car loan in total of 29k. I currently have 2 capital one cards . looking to get another card to consolidate credit card debt. Any suggestions on cards????

[Anonymous]

Welcome to the board @Jowens247..

For better responses, tell us a bit more about your credit profile thus, what limits you have current cards, how long you have had credt, baddies etc. It will be hard to suggest cards without knowing much about your credit profile.

[RonM21]

I can already suggest bringing down your utilization would increase your score. Keep that in mind with your plan.

[Anonymous]

one card is 5k and one is 1k credit limit

[Anonymous]

yes thanks. i plan to do that jus dont want score to go down anymore but need to bring it up up 20 in next 3 months

[Anonymous]

+1

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@Anonymous wrote:

@Anonymous to the board @Anonymous..

For better responses, tell us a bit more about your credit profile thus, what limits you have current cards, how long you have had credt, baddies etc. It will be hard to suggest cards without knowing much about your credit profile.

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[MyLoFICO]

Get your UTIL down to below 20-25% and you will probably see that increase. But, as others have mentioned, we need more info. Is that 639 a FICO or a Credit Karma score? any late payments? Charge offs? Average age of accounts? There is alot more to this than just needing a new card. If you are in a hurry, you are already making mistakes. And if you need a new card to bring your UTIL down then you cannot afford the debt you already have and should not add to it.