Short back story....
did a chapter 7 in November of 2017. I've been good since then. Paid off one car. Currently have 2 Cap 1 cards with $850 limit on each. I used to have several Synch cards but they all got closed yesterday after they lowered my limits to what was owed. This made my utilization pretty high and I took a hit on my scores. The only reason I knew about it, is the alert myFICO sent me. Anyways, after a heated exchange with synchrony customer service, those accounts are now closed.
my scores are EQ: 677 TU: 661 EX: 678
no late payments. One car loan. No personal loans. No mortgage.
my report says 40 inquiries but I think 30 of those are the dealership when I was car shopping.
I'd like to have another card to up my available credit. Are there any suggestions? Of course I want to stay away from Synchrony.
