What credit card? 627 Fico EQ score

[dddewdrop]

      If you want a card with a CL of 3-5k within the next year, What you should do is get a secured card for as high of a CL as you can afford or get approved for. I would recommend Bank of America. As your credit improves they will graduate it to unsecured but more importantly, when you apply for "prime" cards 6 months or a year down the road they will see the CL from your secured card and will offer similar ones... Good luck.

[Scupra]

I dont know what your history is like with NFCU but have you looked into opening up another card through them? Just an idea!

[dannyb407]

True regarding the First premier's fee's, however, those are my longest credit tradelines right now, and I really don't want to ditch that, just YET. I will after I grab a mortgage. Im thinking about grabbing a new bedroom set, do you think any furniture store will approve me for about $1500 to $2000?

[dannyb407]

My history is perfect through them, no lates at all. I will think about grabbing another card through them as well, they have been REALLY generous.

[MovingForward_2012]

Whether or not a furniture store will lend you credit after closing on the mortgage will depend on credit score, history, and utilization.

Could you elaborate on what you said, "I hit the reset button..."? Did you go through DMP or BK?

[dannyb407]

No, I hit my own reset button. No BK's here. Just paid off and got everything that was bad on my credit profile removed and started fresh.

[MovingForward_2012]

Okay. I wouldn't bat you if you did file BK...it just would have taken a longer time to get to where you are going.

I think 627 is a little low for furniture store credit. If they did extend it, it might not be the limit you are asking for. But your credit has a lot of potential between now and then so I wouldn't get hung up on the now.

[dannyb407]

Agree with you, and I wasn't being snappy at all like you thought. Just the way it sounded. I know if I keep my balances down and continue to pay everything ontime, I will certainly be close to 700 by the end of the year. 

[LS2982]

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@dannyb407 wrote:

Yep, pushed the credit "restart" button a year ago and now have the courage to apply for cards again. I need them as I'm applying for a mortgage soon. I just have a 5k limit navy federal cash rewards cc that I've had open since December, a 300 and a 250 limit First premier cc's. 

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If I were you i'd be axing those FP cards. Too many fees plus your 5K CU cards blows them out the water.