What cards do you think I should app for

[MOMO30]

Ok I've been reading for a while now and I've managed to get
My scores to Trans 676 Eq 644 Ex 626 all lender pulls
Once I close the first week of June I would like to open up at least two
New cards with decent limits.

As of now I have MCU secured 300 limit $5 balance
Cap one secured 400 0 Balance
Credit one 300 0 balance
Orchard /cap one 300 0 balance

2 FP charge off both paid from 2011
1 paid collection
2 other charge off both paid
4 positive student loan accounts reporting no Lates since 2010

Can anyone suggest any cards I may have luck with I have four cards but the fees and my limits suck
Each report has 4-6 inquires due to lender pulls over the last year and some from above cc

[Anonymous]

Why not try to graduate the CapOne and CU cards to unsecured before you start apping for new stuff? You may even be able to get a CLI out of the deal as well.

[Anonymous]

With nothing in bad standing on your CR, aside from the paid baddies....I would just garden for the next 6 months to a year, and after six months of using your credit cards and paying them off....that alone will bring your score up a few points no doubt.  Then perhaps try some CLI's on a few of them.  Your credit score as of now is better than mine, and I was able to procure a 5K Cash Rewards cc from NFCU.

Seems you're not that far off from the 700 club, and then you can go for bigger fish if needs be.  Four CC's is good, albeit the CL's are not as good....if you've already put in decent time with those cards and have a perfect history with them, go for some CLI's now

[Anonymous]

How old are your ccs? how old are the other paid CA, COs? Your TU is the higher score so id start with lenders that pull TU. You mention close, I assume you are referring to a mortgage. I would think GE cc's, Walmart, Lowes

Pretty sure Cap 1 does not graduate but in July you might have a better chance with an increase on your Orchard.

[MOMO30]

Charge offs 1 is five years old the other 3 years old
FP accounts is three years old
Other collection five years old

Cards are all a year old never been late pay in full 90% of the time
And yes I'm closing on a home

[Anonymous]

Congrats on your closing! IMO, I would app for Barclays, Walmart and Lowes. Walmart and Lowes may start off low but they will grow with SPs and Barclays usually gives an auto CLI after 6 mos.