Need some expert advise

[ineedcreditbad]

Need some advise on credit cards. Currently I have 1 Orchard Secured 2000K, 1 Capital One 750, a car loan and school loan which is deffered. I want how can I get a card with a limit of 5K. I have never been late with my payments and not gone over my limit. The last I checked my score was between 660-690.

Any advise.

Thanks

Ed

[Anonymous]

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ineedcreditbad wrote:

Need some advise on credit cards. Currently I have 1 Orchard Secured 2000K, 1 Capital One 750, a car loan and school loan which is deffered. I want how can I get a card with a limit of 5K. I have never been late with my payments and not gone over my limit. The last I checked my score was between 660-690.

Any advise.

Thanks

Ed

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Ok those scores may r may not get you the limit you want depending on a lot of factors.  How much of your avail credit are you using? That can be a score killer.   I would see if I can get down below 30 percent utilization if you are not already and recheck our scores.  You may see a surprising bump. 

How old are your cards?  you usually also get a bump at the one year mark.

[ineedcreditbad]

My Orchard is from 05 I currently have 1700 balance and Capital One is a new one and the balance is 250 balance. The student loans are deffered and lastly my car loan.

[Anonymous]

Your first priority should be paying those balances down. If you can get them down below 10% of credit limits, you may well see a 20 to 30 point increase in your FICO right there.

[Anonymous]

85% util on Orchard
33% util on Cap 1
71% util overall

What high balance is reporting on your Cap 1?

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=4120

[smallfry]

Investigate the better credit unions.

[ineedcreditbad]

Thanks for the info guys.

Ed