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I'm currently am rebuilting my credit, so I'm trying to get a few cards under my belt before letting them age. My FICO scores range from 630 (lowest) to 644. I have a 7 year old CH7 BK, a two year old 30 day late payment, and one $280 medcal bill in collections.
I'd like to add one more long term card. Preferablely one with no annual fee, that will gradutate ,and/or is flexable as I plan on keeping the card indefinitely. P.S. I'm banned for life from NavyFed and BoA denigned me for a secured card... Other than those, any suggestions?
In my opinion, the best rebuild strategy is to get a few rebuild cards and sit on them while working on cleaning up derogs, worry about keeper cards further down the road, applying now only risks wasted inquiries for possible denials or approval with toy/bucketed limit that will probably never grow, like your CapOne Platinum. You have plenty of cards to rehab your profile, adding another toy limit card is not going to speed up the rebuilding process, just prolongs it.
Hit the garden and work on growing you Discover with SP CLIs, graduating Citi, PFD the collection (huge gain here), good will the 30 day late and let inquiries and new accounts hit their 1 year thresholds. Be patient, soon you will be here talking about 700+ scores, keeper card approvals with decent SLs and closing some of the rebuild cards.
Yep 3 cards are all you need to rebuild and get rid of any baddies. When they start to fall off you will get good jumps in your score. Then you can start going after Chase cards if there are any that you like so that you will not be affected by 5/24 then after that only apply for what fits your needs.