Help me Get a better card please

[jjbryant3]

keep in mind My history with Cap 1 is 12/14 with perfect payment history. all my trade lines are perfect. I just want out of the FP cards very bad and feel i deserve a unsecured cap1. My merrick card is 1k unsecured august 18, so by next month i should really qualify for something better i would only think. A excellent payment history with my UTL ideal and a great mix of trade lines. The old baddies shouldn't hurt me so much as they are so old and falling off according to my CR they stay on until 08/2016. pretty frustrating, been very ontime charging all the way up paying all the way off for nearly 2 years. and i see people defualting and chapter 7 and 13 getting better cards nearly instantly. I have never filed for bankrupcy. or have any sort of judgment in my file. long work history and payment history. seems it's taking a very long time for me which for most i see them getting stuff so much faster by basically not paying their bills and starting over.

[wantmoremoney]

You have been patient that long. Just a lil mo patience and you will be where you want to be. Remember rebuidling or building credit is a marathon not a sprint! Results will not happen fast or over night. You have done great and trust in due time you will have all the credit and credit cards you could ever want. Just wait for your CR to update with the lower utilization and then give Capital One Quicksilver One a shot and you should be good to go! Good luck and hope you get all you want real soon!!

[Anonymous]

I would suggest you get yourself removed as an AU from your wife's cards. Her utilization is hurting your scores (2 of them are over 50% and the 3rd is almost there). All of hers are reporting balances which hurts maximum scoring as well. Her AAoA at less than a year is probably pulling down your AAoA as well.

See where your scores are after your lower utilization reports and the AU is removed, I bet it gives you a decent increase.

[jjbryant3]

i thought about that. im piggy backing her too. I just set up payments too pay hers off or down to 20% on one. We are tryin to build together but if i need to i will take myself off hers and keep hers on mine

[Anonymous]

Sometimes it's easier to work on one file at a time. Get yours standing on its own. Then hers or vice versa. Also, on a manual review AU's aren't always taken into account so it's important to each build your own.

[jjbryant3]

my credit is better than hers so she could be dragging mine down some. honestly all i want is a QS1 for rewards like my discover and to equal out the credit i will lose closing the FP and credit one cards those 2 would be 1,700 and all avalable credit as they are at 0 well Credit one is 80 balance because they wont allow me to make another payment to zero it. as soon as i can its 0 and in the sock drawer forever. i will never swipe those cards again. apparently just keep paying the monthly fee's until my fico8 is high enough scross the board to chance a hard pull for the QS1

[Dahlia77]

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@jjbryant3 wrote:

income is decent 44-46k. inquiries most are nearly at 2 years, none since i got the discover 5 months or so ago. the baddies are the 4 5 year old medicals. one 5 year old 30 day late on child support which is garnished so i didn't even pay late. 2 charge off's falling off next month from FP from 2008. that's all. my payment history says excellent 95% due to the one old CS payment i don't mind waiting to make sure all 3 are obove 600. to the last person who commented are you saying to close the 2 FP and cap 1 now? that's 1,700 of credit with 0 balance i would think that would hurt my fico as my avaliable credit would drop. i believe i have around 6k total now. My thought was get a more prime card that equals close to what i would close that are at zero balance owed now. then close those down. sprt of graduating. I know charging these up hurt my score, i would have most likely been upper 600's if i played the game right right but i didn't. But i do now have my UT under 10% minus what I am AU on (wifes cards)

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Not to be a bummer but you're probably not going to get prime card that equals $6k right now.  I say take the advice of other members and let what you have age as frustrating as it is to deal with these bottom feeders.  When you get the bump by all means go for a Cap One card.  But I doubt a QS1 is going to start you out with 6K.  However Cap One will do the auto CLI's for you over time.  I think right now patience is going to be your best friend.  Just keep in mind that your perfect payment history is going to pay off if you can hang in there and you WILL get out of this sub prime rut because of it!!!

[Vegas4Play]

I would remove myself from the wife's cards as AU they are 10 months old...should see an improvement in your own AAoA just doing this.

It would also bring your utilization down, especially to those lendes that count AU accounts in their scoring systems.

I would focus on lowering your utilization as much as possible, as soon as possible...before applying for new cards (from anyone), yes you may get approved but with low limits and higher apr's.

You can close the "crappy cards" and it will not hurt your AAos but will lower your overall available credit which will hurt your utilization percentage if you dont get all the other cards way down.

JMO

Remove AU accounts

Lower Utilizatiom by paying cards down and much and quickly as possble.

Age your profile and work on the baddies.

[jjbryant3]

misun derstanding i wasnt wanting or expecting a prime card with 6k CL, i didnt want to close the sharks until i had a CL to max the shark cards. btw i woke up to a 20 point exp bump this morning cause one of the sharks i paid to 0 reported. so now im at  EQ 598 TU 620 EXP 615. EQ nor TU has reported the balance of this one shark card yet, and i still and a few more cards that are due to report. if this is teh trend with paying high limit cards down to 0 i should be sitting real close to 650 across the board in july. and Auguse i am due a 500CLI with that merrick card on the 18th i believe. My hope was getting the QS1 to grow. for instnce if they gave me a 300 limit one FP closed until it grew to 1k then the next card gone, 1700 all 3 sharks closed. unless we consider merrick a shark card which i actually seem to think it's decent minus a little high APR compared to my cap1 and discover. and Fingerhut well i just like them. If you make money and buy something and do multiple payments paying off they seem to like me back. I will wait and see what EQ goes up to they aare the only score below 600 now

[jjbryant3]

Vegas my UTL by myself is sitting at 80 dollars on one 700 limit card. cap1 1,000 limit -0 FP 700 limit 0 FP 300 limit 0 finerhut 900 limit 0 kay card 400 limit 0 discover 500 limit 0 Merrick Bank 500 limit 0. i think that's all in my name. out of 5k in credit cards as of today i carried 80 dollar balance, and again was because credit one wouldnt allow me to make another payment or it would have been like 20 bucks. that's under 2% right now. i just paid my wifes cards down to under 10 percent as well but if i should still remove myself i can.