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What are some CC's to help me rebuild my credit?

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RebelSon
Contributor

What are some CC's to help me rebuild my credit?

I have a current EQ score of 526 with 1 postive TL and 5 negative TL. I use 20% every month and I PIF.

Everybody says I need at least 2 accounts to increase score. I don't want app because of my low score.

 

I only have 13 inquiries in the last 2 years.

 

Starting Score: 460
Current Score: 750
Goal Score: 800


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Message 1 of 6
5 REPLIES 5
laz98
Senior Contributor

Re: What are some CC's to help me rebuild my credit?

you have 13 inquiries just on eq?  do any of them fall off soon?

Message 2 of 6
Anonymous
Not applicable

Re: What are some CC's to help me rebuild my credit?

Credit One Visa (www.creditone.com) is a guaranteed approval, but the fees are so ridiculous!

Message 3 of 6
konabill
Regular Contributor

Re: What are some CC's to help me rebuild my credit?

  


@RebelSon wrote:

I have a current EQ score of 526 with 1 postive TL and 5 negative TL. I use 20% every month and I PIF.

Everybody says I need at least 2 accounts to increase score. I don't want app because of my low score.

 

I only have 13 inquiries in the last 2 years.

 


                     I would work on the 5 negative tradelines first. 




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Message 4 of 6
Wolf3
Senior Contributor

Re: What are some CC's to help me rebuild my credit?

 


@RebelSon wrote:

I have a current EQ score of 526 with 1 postive TL and 5 negative TL. I use 20% every month and I PIF.

Everybody says I need at least 2 accounts to increase score. I don't want app because of my low score.

 

I only have 13 inquiries in the last 2 years.

 


 

A second account will only help a little.   You may want to wait until you have fewer inquiries and more age on your negative accounts.  

 

I would suggest a secured card.  I would start with Orchard or Capital One.

Message 5 of 6
RebelSon
Contributor

Re: What are some CC's to help me rebuild my credit?

9 out of the 13 inquiries were actually unauthorized. I spoke with the original puller and all 9 will be removed from EQ within 45 days.

I think my score should go up.

Starting Score: 460
Current Score: 750
Goal Score: 800


Take the myFICO Fitness Challenge
Message 6 of 6
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