Credit score!

[donkort]

You have a lot of maxed-out cards.  Four of them.

This could be the reason behind the 620 score. 

Do you have any relatively old lates, charge-offs, or collections that might have been resolved, but are still on your report?

[BallBounces]

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@Anonymous wrote:

What can I do to get my score up so I can get an actual good credit card. 

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At this point, and as a guiding principle, reducing your debt is far more important than "getting a good credit card", whatever that term may mean.

Horse, then Cart. 

In other words, make it your challenge to do something like AZEO <9, rather than "getting a good credit card".

[AllZero]

As mentioned up thread, you need to reduce your reported individual and aggregate utilization. Maxed out cards are a score killer. You're being penalized heavily.

[KLEXH25]

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@Anonymous wrote:

Here is a list of cards and balances. 

kohls $700 maxed out 

first premier $600 $0 balance 

indigo $300 $0 balance 

indigo $300 $0 balance 

fingerhut $1600 $0 balance 

Gettington $600 $0 balance 

capital one $500 maxed out 

capital one $500 maxed out

credit one $600 maxed out

apple card $250 $0 balance 

care credit $500 $0 balance

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Start by removing yourself from the Kohl's AU card. It's hurting more than helping. Then distribute your payments evenly between your maxed cards so that they cross down the utilization thresholds and aren't maxed out anymore. Once you get them all to at least 50% (but ideally 28.9%), you can pay them down individually. Your scores will start coming up (assuming you don't have any derogs). You'll get there!

[Wavester64]

>>$1 you can obtain your 3 bureau FICO 8 reports at Experian.com or creditchecktotal.com. Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

re: creditchecktotal.com

Can you cancel online or a phone call required?

[AllZero]

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@Wavester64 wrote:

>>$1 you can obtain your 3 bureau FICO 8 reports at Experian.com or creditchecktotal.com. Cancel in 7 day or less to avoid the re-occurring monthly charge. Wash, Rinse, and Repeat as needed.

re: creditchecktotal.com

Can you cancel online or a phone call required?

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Online.

[righthererightnow]

Once those inquiries start to fall off it should pop back up.

[Jannelo]

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@BallBounces wrote:

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@Anonymous wrote:

What can I do to get my score up so I can get an actual good credit card. 

---

At this point, and as a guiding principle, reducing your debt is far more important than "getting a good credit card", whatever that term may mean.

Horse, then Cart. 

In other words, make it your challenge to do something like AZEO <9, rather than "getting a good credit card".

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Truer words never spoken.

[Anonymous]

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@AllZero wrote:

As mentioned up thread, you need to reduce your reported individual and aggregate utilization. Maxed out cards are a score killer. You're being penalized heavily.

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+100

[Anonymous]

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@AllZero wrote:

... below are benchmarks for FICO 8.

Remember these aggregate utilization thresholds: 8.9%, 28.9%, 48.9%, 68.9%, 88.9%
If you're not crossing a threshold, you won't be getting points.

Aggregate: 10-15 points for aggregate crossing a threshold.

Individual: ~5 points points for individual crossing a threshold.

 Thank you for these numbers. I was looking for the threshholds in the forums.