CC Help

[Anonymous]

Hey, All-

FICOS:

TU 600

EX 583

EQ 586

Any suggestions on CCs I can/should apply for. I am trying to follow Midnight's  Formula!

Thanks in advance!

[Tuscani]

What TLs do you have now? Which baddies?

Message Edited by Tuscani on 06-17-2007 02:05 PM

[Anonymous]

Individually:

Cap 1

Orchard

Imagine ( Just got it)

No baddies on any

AU with hubby:

Home Depot

Amex Gold card

Providian

No baddies on any

Joint motgage / second mortgage No baddies two years old

Baddies:

Joint mortgage with ex- last late was in 2005, home was sold a year ago, so no potential for new baddies

Cap 1 charge off  3 years old

4 paid collections, most recent was in Jan 2007

Thanks!

No BK or liens

[Tuscani]

Have you tried a GW on the paid collections?

[Anonymous]

No, I haven't.

One was NCO Fin and I hear they are bears.

I was, hoever, considering doing a GW on the ex's mortgage. I disputed it, failed, but the CR's are noted that he was responsible for payments...

[Tuscani]

Actually, NCO folds rather easily. What is your util?

[Anonymous]

Upwards of 90%.

Main reason my scores are so low, according to MyFICO. And yes, I have a plan! PAY THEM DOWN ASAP!

[Tuscani]

Get that util down before applying for any more cards. Doing so should get you in the mid-600s which will open up more card options.

[Anonymous]

So, nothing out there that could help right now?

[Anonymous]

What about a secured card. Are those at all helpful regarding FICO's?