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Hello All.
First I must say over the last 2 years I've been using MyFico my score has improved from a 490 to now a 740. If it was not for the support that I have had from you guys, this would not be possible.
I'm at the stage were I need to find Prime cards and also explore the idea of an auto loan or mortgage.
Navy FCU seems like the pick of banks seeing I meet the requirements but am not sure what kind of credit limits I will receive since my credit is now only 1.5 years on my EQ CR.
Credit Card:
For the Credit card I Was thinking of going with Navy FCU and want to know if I should try to get any from other banks while i am on a app frenzy.
Auto or Mortgage Loan:
It wont be right away that I plan to get one of these (Maybe Sept), Iut I think I'll need one to give a mix of credit.
Following is my History and scores I would be most grateful if the TEAM could give me some pointers to the best LONG and SHORT range strategy to build a good credit report. I've browsed many web sites to include www.whogavemecredit.com and others before writing to everyone.
Please share any suggestions that could help me and I dont have a problem with taking a short term hit on point to establish LONG TERM PRIME CREDIT.
Date: 4/16/2009
TransUnion 682
BofA- Opened Apr 2008
Orchard- Opened Feb 2008
Equifax 740
BofA- Opened Apr 2008
Orchard- Opened Feb 2008
OLD BANK ACCOUNT- Charged Off + Paid off on Feb 2008
Experian ???
BofA- Opened Apr 2008
Orchard- Opened Feb 2008
Local Bank- Secured Loan Feb 2008 paid off on June 2008
OLD BANK ACCOUNT- Charged Off + Paid off on Feb 2008
Thank you everyone for your assistance.
That's Awesome Chuck! Congratulations!! I hope to be there sometime by the end of the year or sooner.
Way to go!
@Anonymous wrote:
Isnt't National City now PNC?
As of this moment we still have National City banks on every other corner and my statements r coming from National city. I have not seen 1 change since pnc made that purchase. Actually it's a PNC and a National City bank right across the street from each other a few blocks from my house.
Mank wrote:
Congratulations Chuck, and I'm so glad to see you achieved scores like these with a charge off that recently! That should give a lot of people hope.
It seems after almost 2 years of credit fixing I still make mistake. hhehee.
Above on my Equifax I listed the charge off when infact it is on TU report.
Thanks to everyone for the support and suggestons, I will look in to this bank like yall said above.
If any one every needs help by all means please send me an PM and I would be willing to share my knowledge.
THANK YOU EVERYONE
chuck_texas wrote:
Above on my Equifax I listed the charge off when infact it is on TU report.
Thanks to everyone for the support and suggestons, I will look in to this bank like y'all said above.
If any one every needs help by all means please send me an PM and I would be willing to share my knowledge.
THANK YOU EVERYONE
* Retired officers and enlisted personnel.# Former USAA members who had USAA auto or property insurance.
* Former officers and enlisted personnel who separated from the military on or after Jan. 1, 1996.