Help me Get a better card please

[jjbryant3]

Hello everyone. here is a list of current cards.

                   (secured)

Capitol one secured -1,000 limit 0 balance. opened 12/14

Discover it -500 limit 0 balance opened 04/16

         (Un secured)

First Premeir - 300 limit 0 balance opened 12/14

First premier - 700 limit 0 balance opened 01/16

Merrick Bank Double CLI -500 limit 0 balance doubles next month so opened for 7 months

Credit one - 700 limit 80 balance opened 03/15

Kay Card - 400 limit 0 balance opened 10 months ago (supposed to be looked at for CLI at this mark, we shall see)

Auto Loan opened 12/14 high balance 7,500 currect balance just under 4k

Fingerhut - 900 limit 0 balance almost at a year old

       (Authorized user) (from Wife)

Red card- 700 limit - 500 balance 10 months or so

Angel Card - 450 limit - 75 balance 10 months or so

Cap 1 - 500  limit 300 balance 10 months or so

Credit one - 500 limit 200 balance 10 months or so

current fico 8 is EX 598 TU 620 EXP 599. Not all my paid off cards have reported, i expect a point jump as my utalization was in the 90% not at 66% and should drop even further. I want to close the Premier cards bad, especially the 300 one it charges me 7 bucks a month to have it, the other no charge until the first year. Credit one also charges. FYI I have no lates and been on time everytime for all above cards. WHen i try the cap 1 pre qualify is qualifys me for a secured card and i don't want another. I believe my payment history which says excellent should offer me a QS1 at least. I have 4 old medical collections that are 5 years old as my baddies. I have a paid one year installment for a bed i bought in 2014 that shows perfect payments with nothing owed and paid in full. What can I do to get rid of the the shark cards? Nearly two years of perfect payments on Cap 1 secured, car loan and even the first premier, would i get approved if i just applied for a QS1? Of course like the rest of us im scared of being denied. over the last 2 years i have raised my credit 200 points and got a lot of bogus collections removed with just the 4 left which are proving to be tough. Im letting 360 take a wack at those now. I have gotten a couple CLI from credit one, and finger hut and Cap1 secured bumped my secured 300 at 6 months. But thats about a year ago now on that card. Thanks guys I love this place!

[Anonymous]

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@jjbryant3 wrote:

Hello everyone. here is a list of current cards.

                   (secured)

Capitol one secured -1,000 limit 0 balance. opened 12/14

Discover it -500 limit 0 balance opened 04/16

         (Un secured)

First Premeir - 300 limit 0 balance opened 12/14

First premier - 700 limit 0 balance opened 01/16

Merrick Bank Double CLI -500 limit 0 balance doubles next month so opened for 7 months

Credit one - 700 limit 80 balance opened 03/15

Kay Card - 400 limit 0 balance opened 10 months ago (supposed to be looked at for CLI at this mark, we shall see)

Auto Loan opened 12/14 high balance 7,500 currect balance just under 4k

Fingerhut - 900 limit 0 balance almost at a year old

       (Authorized user) (from Wife)

Red card- 700 limit - 500 balance 10 months or so

Angel Card - 450 limit - 75 balance 10 months or so

Cap 1 - 500  limit 300 balance 10 months or so

Credit one - 500 limit 200 balance 10 months or so

current fico 8 is EX 598 TU 620 EXP 599. Not all my paid off cards have reported, i expect a point jump as my utalization was in the 90% not at 66% and should drop even further. I want to close the Premier cards bad, especially the 300 one it charges me 7 bucks a month to have it, the other no charge until the first year. Credit one also charges. FYI I have no lates and been on time everytime for all above cards. WHen i try the cap 1 pre qualify is qualifys me for a secured card and i don't want another. I believe my payment history which says excellent should offer me a QS1 at least. I have 4 old medical collections that are 5 years old as my baddies. I have a paid one year installment for a bed i bought in 2014 that shows perfect payments with nothing owed and paid in full. What can I do to get rid of the the shark cards? Nearly two years of perfect payments on Cap 1 secured, car loan and even the first premier, would i get approved if i just applied for a QS1? Of course like the rest of us im scared of being denied. over the last 2 years i have raised my credit 200 points and got a lot of bogus collections removed with just the 4 left which are proving to be tough. Im letting 360 take a wack at those now. I have gotten a couple CLI from credit one, and finger hut and Cap1 secured bumped my secured 300 at 6 months. But thats about a year ago now on that card. Thanks guys I love this place!

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The PreQual on CapOne is a hit and a miss.  

So many dont get the PreQual response and app anyway and get approved. 

When you get that Point Jump I would app for the Quick Silver One MasterCard... yes it has a fee. 

But you get cash back so to me that is worth it.... 

Maybe try calling them before apping and have a nice chit chat... 

PS are those your FICO8 scores or your FAKO's 

If those are your FAKO's may I suggest you going to CreditCheckTotal and getting your FICO8's for a dollar. 

Just remember to cancel before the time period is up. 

Personally my FAKO's are lower than my FICO8's .. if this is the case for you .. I then would app for CapitalOne QS1 MasterCard. 

[jjbryant3]

Hi thank you for the response. Those are my fico8 score. I pay for the 3b myfico. I believe my score dropped as the last year while i was never late i let my cards go up close to max. I then decided to pay these all off which I have done minus a couple my wife has that I am an AU on. I have not gotten my merrick bank from 90% UT to 0 nor the 700 FP nearly maxed to 0. I have never had a late payment. I have one 30 day late from child support from 5 years ago which is just bogus as CS is always garnished i had no control. I sent GW letters etc but that old 30 day late from 5 years ago remains. I would expect 10-15 point jump when ever the CRA update. My file doesn't look that bad imo. I mean i see people with chapter 7 and 13 and thinner files with more baddies getting better offers. I have something like 13 positive tradelines with perfect pays as agreed. I just need my UT to drop after paying all these down. I understand to carry a small balance on one or two cards. I was playing wrong. I have talked to Cap1 and they agree i have been a long time customer but could not really give me enough confidence to get the HP. I would like a QS1 unsecured for 1k and close the 2 premiers that equal 1k. I have worked so hard for the last 2 years

[SouthJamaica]

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@jjbryant3 wrote:

Hello everyone. here is a list of current cards.

                   (secured)

Capitol one secured -1,000 limit 0 balance. opened 12/14

Discover it -500 limit 0 balance opened 04/16

         (Un secured)

First Premeir - 300 limit 0 balance opened 12/14

First premier - 700 limit 0 balance opened 01/16

Merrick Bank Double CLI -500 limit 0 balance doubles next month so opened for 7 months

Credit one - 700 limit 80 balance opened 03/15

Kay Card - 400 limit 0 balance opened 10 months ago (supposed to be looked at for CLI at this mark, we shall see)

Auto Loan opened 12/14 high balance 7,500 currect balance just under 4k

Fingerhut - 900 limit 0 balance almost at a year old

       (Authorized user) (from Wife)

Red card- 700 limit - 500 balance 10 months or so

Angel Card - 450 limit - 75 balance 10 months or so

Cap 1 - 500  limit 300 balance 10 months or so

Credit one - 500 limit 200 balance 10 months or so

current fico 8 is EX 598 TU 620 EXP 599. Not all my paid off cards have reported, i expect a point jump as my utalization was in the 90% not at 66% and should drop even further. I want to close the Premier cards bad, especially the 300 one it charges me 7 bucks a month to have it, the other no charge until the first year. Credit one also charges. FYI I have no lates and been on time everytime for all above cards. WHen i try the cap 1 pre qualify is qualifys me for a secured card and i don't want another. I believe my payment history which says excellent should offer me a QS1 at least. I have 4 old medical collections that are 5 years old as my baddies. I have a paid one year installment for a bed i bought in 2014 that shows perfect payments with nothing owed and paid in full. What can I do to get rid of the the shark cards? Nearly two years of perfect payments on Cap 1 secured, car loan and even the first premier, would i get approved if i just applied for a QS1? Of course like the rest of us im scared of being denied. over the last 2 years i have raised my credit 200 points and got a lot of bogus collections removed with just the 4 left which are proving to be tough. Im letting 360 take a wack at those now. I have gotten a couple CLI from credit one, and finger hut and Cap1 secured bumped my secured 300 at 6 months. But thats about a year ago now on that card. Thanks guys I love this place!

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Patience.

I think you already know what you should do.

Close a couple of the worst cards.

Keep your utilization low. Have all but one of your accounts report a zero balance. And have a low balance on the one that is reporting.

And don't apply for anything for awhile. Keep the inquiries off and let your accounts age.

When you prequalify for a Capital One unsecured card, go for it.

[jjbryant3]

if i close the FP cards thats 1k of credit and age that will hurt my score. So should i just wait and see what my fico hits with my cards paid off as they are and try for the cap1 so i can close the FP's? What Fico8 should i guess would be safe to apply? My TU at 620 should be good enough i would think especially with the age of my 1k cap 1 paid as agreed. I know i need to be patient and garden but i despize paying the fee's everything month to FP and credit one. I jut want out of those cards i feel i should have earned it by now.

[Anonymous]

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@jjbryant3 wrote:

Hi thank you for the response. Those are my fico8 score. I pay for the 3b myfico. I believe my score dropped as the last year while i was never late i let my cards go up close to max. I then decided to pay these all off which I have done minus a couple my wife has that I am an AU on. I have not gotten my merrick bank from 90% UT to 0 nor the 700 FP nearly maxed to 0. I have never had a late payment. I have one 30 day late from child support from 5 years ago which is just bogus as CS is always garnished i had no control. I sent GW letters etc but that old 30 day late from 5 years ago remains. I would expect 10-15 point jump when ever the CRA update. My file doesn't look that bad imo. I mean i see people with chapter 7 and 13 and thinner files with more baddies getting better offers. I have something like 13 positive tradelines with perfect pays as agreed. I just need my UT to drop after paying all these down. I understand to carry a small balance on one or two cards. I was playing wrong. I have talked to Cap1 and they agree i have been a long time customer but could not really give me enough confidence to get the HP. I would like a QS1 unsecured for 1k and close the 2 premiers that equal 1k. I have worked so hard for the last 2 years

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Ahhhh... 

Great that you have gotten the utilization down down down.. and if and when you get that  Jump/Bump then I would maybe app for the QS1 MC. But realize that Cap1 pulls all 3 .. I know I hate that too... 

But I feel that if you can get all 3 into the 6's and contingent on income, baddies and inquiries I'd wait for that Jump/Bump just to be sure. 

I'd hate for you to pull just a tad too soon.  You are so close... and you may get approved right now.. but if you do it may not be for a lot. 

Chin up Buck-a-Roo... you can if you wanna but I'd wait just a little. 

But its up to you in the long run... 

Everyone stips are different and wants as well. 

[Anonymous]

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@jjbryant3 wrote:

if i close the FP cards thats 1k of credit and age that will hurt my score. So should i just wait and see what my fico hits with my cards paid off as they are and try for the cap1 so i can close the FP's? What Fico8 should i guess would be safe to apply? My TU at 620 should be good enough i would think especially with the age of my 1k cap 1 paid as agreed. I know i need to be patient and garden but i despize paying the fee's everything month to FP and credit one. I jut want out of those cards i feel i should have earned it by now.

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When you close an account, it stays on your credit report for 10 years. Shouldn't hurt too much.

[juniornj23]

Start by closing the 2 premier and the credit one bank

Get your UTL 5 to 10% font app for any other card wait 9 moths to 12 and app for 2 more card like capital one try to get penfed into your wallet

[juniornj23]

You can read my story i went from negative credit report to 740 and 100k in credit . Fix and get good credit takes time

1 dont app for too many cc
2 always pay on time
3 UTL lowe ( used your card pay in full 1 day before your due day ) then used your cc .

[jjbryant3]

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)