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What should be the next step...I

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Anonymous
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What should be the next step...I

Here is the update on my credit profile and cards.

 

AMEX Credit Secure 626 626 626

Walmart Score 619

TU pulled at a Nissan Dealership 655

 

 

AMEX with a $500 hard limit - 4 statements so far

 

SONY CAP ONE CARD $500 - 3 statements.....2 more to go for the steps program

 

Platinum Cap One $300 - 4 statements..........1 more to go for the steps program

 

Orchard $300 - 4 statements...........I have no idea if i will ever get an increase on this one

 

Exxon Mobil Personal Card $200 - 2 statements 

 

Walmart $150 <-- lol - 3 statements 

 

 

I try to use all of them a little bit and always pay them down before the statement cut off date.

 

 

The Cap One Cards are obvious, with the steps program ill get the Sony to go to $750 and the Platinum to $500, but what about everything else.

 

 

Any tips on what I should do next?

Message 1 of 3
2 REPLIES 2
CruzImperial
Established Contributor

Re: What should be the next step...I

what is your AAoA? You have recent accs opened, I´d wait for them to age 6month/1year and go for discover or citi or any ge store card you may want to have.

Considering CU later on?

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 2 of 3
bodybuilder510
Regular Contributor

Re: What should be the next step...I

If your oldest account is under 12 statements, you need to let your accounts age and your scores will increase. Don't add on more. Just garden and keep balances low. High fico scores comes with few to several years of AAOA.
Message 3 of 3
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