Which card should I apply for

[newme2012]

Just checked my scores this morning and they are 619-TU & 664-EQ.  I still have 3 collections reporting on TU.  I've done really well in getting my score up but now I need to add a card to my credit (my husband and I will be purchasing a home next year).  Any suggestions on the best card to apply for?  I was thinking about bank of america.

Thanks for your advice!

[Anonymous]

Are the 3 collections reporting ONLY on TU?

[boomhower]

How recent and how much are the collections?

[newme2012]

The most recent is June 2010 from Verizon(370).  The others are medical bills from 06 and 07 (200 combined)

Thanks.

[webhopper]

Have you tried posting in the Rebuilding forum and learning about PFD those tradelines? 

I would start with something small, maybe a retail card like WalMart or Kohls, somewhere that you shop anyways and could use a discount. Those are best applied for in store.  The other thing I could see you being approved for would be a card like Cap 1 Platinum where they may start you off with a small limit like $750 which may never be increased, but at least will help you build good solid payment history.