To apply or not to apply......

[Anonymous]

TU 612

EQ 619

EX 581

Cap1 $500CL recently paid down bal now $4... 9 months old

1st Premier $350CL recently paid down bal now $10.... 9 months old

1st Premier $250CL recently paid down bal now $10... 2 years old

Merrick $700CL bal $650.... 9 months old

Applied Bank $1700CL bal $1550...... 2 years old

No late payments on any of these cards

5 CA/derog accounts sched to age off in 2008 (various months)

2 CA 24 months old

Fraud Alert on EX/EQ

What's my best course of action to raise my credit scores (looking to buy a home in the next year)? Is the another cc I can get? Should I? 

[Anonymous]

Well you have a good history for those cards.  You could consider upgrading to avoid some fees.  What other types of credit do you have listed?  Any installment accounts?  You could try taking out a small installment loan from a credit union but avoid CFLs. FICO consdiered the mix of credit or the different types.  You could go for a Walmart or Target RedCard to add a store card to the mix but do you shop any of those places?

[Anonymous]

I'd also recommend upgrading the accounts (if possible), requesting "soft" CLIs, and possibly getting a store card. Good luck!

[Anonymous]

I have a carnote(2 years old) and 2 student loan accounts (2 years old), all current, no lates. I applied for Walmart in March...denied but my scores were much lower than they are now back then. Should I just wait until most "Baddies" age off next year? Don't want too many inq. if I can't get approved.

[Anonymous]

As old as your cards are I doubt an inquiry will hurt much.  Are you getting preapproved offers from other cards?

[Anonymous]

Asked for CLI's with 1st Premier...denied about a month ago. Cap1 just increased from $300 to $500 within last 2 months

[Anonymous]

!st Premie really isnt a card I reccommend simly because of the cost of carrying the plastic.  Have you applied for any other cards or had preapproved offers for other cards come in.  I would find it strange that you wouldn't but creditors are tightening up quite a but.

[Anonymous]

Yeah I've seen preapproval offers for Tribute and Salute (???). Are they any good? Don't know much about them. I know I need to try and stick with ccc's or store cards that pull TU only since Fraud Alert active on EX/EQ. I live in GA. Which cards should I try that only pull TU.

I have an account with WAMU but afraid to try for cc due to old derog Providian accounts due to age off next year...Should I try any way? 

[Anonymous]

I have Tribute and Salute dont care for the Tribute but I just saw where someone had a limit up to 1250 so I do know they increase..

[Anonymous]

Yeah I've seen preapproval offers for Tribute and Salute (???). Are they any good? Don't know much about them. I know I need to try and stick with ccc's or store cards that pull TU only since Fraud Alert active on EX/EQ. I live in GA. Which cards should I try that only pull TU.

I have an account with WAMU but afraid to try for cc due to old derog Providian accounts due to age off next year...Should I try any way? 

Does a fraud alert keep you from getting cc?