bk on report 6 years in counting.......

[Anonymous]

I had a BK in 2005 discharged then.....scores are 696 TU,ex 678 and equ 676 ..

What are some good cards for my situation....should I just leave alone for a while???

[MarineVietVet]

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@Anonymous wrote:

I had a BK in 2005 discharged then.....scores are 696 TU,ex 678 and equ 676 ..

What are some good cards for my situation....should I just leave alone for a while???

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One thing I will ask is where did you get your scores? Unless these are lender pulled it's unlikely they are FICO scores. To my knowledge there is no 3 in 1 service that sells all three FICO's

No one has been able to buy their own Experian FICO score since February of 2009. Creditors can pull Experian and also there is a CU (PSECU) in Pennsylvania that supplies that information to it's members only. You can only buy true FICO scores at a few places. One place is here at myFICO.

At one time you could also purchase your Transunion score at transunioncs.com but that site seems to have stopped doing that. Wal Mart now offers a TU score to those who have their store card and the Discover version.

Equifax will still sell you a FICO score found here: www.equifax.com/web-myfico-products/

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

creditkeeper......i realize its not accurate......i will buy the fico from here to get TU and eq......

[MarineVietVet]

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@Anonymous wrote:

creditkeeper......i realize its not accurate......i will buy the fico from here to get TU and eq......

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I'm glad to hear you know they can't be relied on. Your FICO's could be much higher or lower.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

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@Anonymous wrote:

I had a BK in 2005 discharged then.....scores are 696 TU,ex 678 and equ 676 ..

What are some good cards for my situation....should I just leave alone for a while???

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Do you have any CC now? 

[Anonymous]

yes 4 ...cap 1  2000CL, chevron  700 CL, Walmart store card...850CL and a BB store card  750CL.....

[Anonymous]

I would suggest you first purchase your EQ and TU FICO's and Reports here at MyFico and go from there. see what your true FICO scores look like and then make an informed decision.

[Anonymous]

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@Anonymous wrote:

yes 4 ...cap 1  2000CL, chevron  700 CL, Walmart store card...850CL and a BB store card  750CL.....

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IMO, You have enough cards from a credit building standpoint.    I would only consider adding CC that you need or want.    I would not apply just because I could qualify.  

Did you have anything in mind?

[Anonymous]

barclay NFL card...Dont need...just want.....i applied in August and was turned down......too many inquries,not enogh income...im not sure what they pull ..my score was 675 then......I since have paid down 4 accounts and closed so im sure i will take a hit for that ...did that before I discovered this site....

[haulingthescoreup]

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@Anonymous wrote:

barclay NFL card...Dont need...just want.....i applied in August and was turned down......too many inquries,not enogh income...im not sure what they pull ..my score was 675 then......I since have paid down 4 accounts and closed so im sure i will take a hit for that ...did that before I discovered this site....

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"too many inquries,not enogh income" = cool your jets and let the dust settle.

Ouch on the closed accounts. So what open accounts are you left with now?