First Credit Build..

[Anonymous]

Update..

Creditcarma EQ is 661

All accounts at 6 months now.. 

Capone gave me a CLI on my secured card from $200 to $500..

Disco and citi secured both chillin..

Allied secured loan is loanin giving me an on time payment report every month though it is paid off till 2021.. Good..

The darn collection will fall off in the fall of 2019..

Credit carma is starting to give me ads for real credit cards telling me my approval odds are very good for like the QS1 and the platnum..

What do you think my approval odds REALY are for like the citi doublecash, and good cashback cards from chase and boa whoever.. 

What should I apply for now to make my credit grow more and faster? I want to thicken up my file, the ultimate credit goal is for real estate investing such as mortgages so what should I do to make my credit score even better for that?

I'm interested in cashback cards, easy and free cards to boost my total available credit, file tickening, not too worried about dropping a few points in the short term..

Should I really just keep gardening these secured cards or go for more? 

A lot of cards offer $150 cash back after you spend $500 in the first 3 months, I kinda like that too..

What should I do now/next? 

[Anonymous]

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@Anonymous wrote:

Update..

Creditcarma EQ is 661

All accounts at 6 months now.. 

Capone gave me a CLI on my secured card from $200 to $500..

Disco and citi secured both chillin..

Allied secured loan is loanin giving me an on time payment report every month though it is paid off till 2021.. Good..

The darn collection will fall off in the fall of 2019..

Credit carma is starting to give me ads for real credit cards telling me my approval odds are very good for like the QS1 and the platnum..

What do you think my approval odds REALY are for like the citi doublecash, and good cashback cards from chase and boa whoever.. 

What should I apply for now to make my credit grow more and faster? I want to thicken up my file, the ultimate credit goal is for real estate investing such as mortgages so what should I do to make my credit score even better for that?

I'm interested in cashback cards, easy and free cards to boost my total available credit, file tickening, not too worried about dropping a few points in the short term..

Should I really just keep gardening these secured cards or go for more? 

A lot of cards offer $150 cash back after you spend $500 in the first 3 months, I kinda like that too..

What should I do now/next? 

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Don't go by CK FAKO scores. Also, remember, those "recommendations" are nothing more than paid advertisements from their sponsors. Check for preapprovals on the specific website for the card and then bounce the result of the information on the preapproval with the forum to see whether it's likely reliable or not.

I think your chances at a Citi DC are poor at this point and would suggest waiting until you're at 1 year. Keep paying and build some age on those account.

[Anonymous]

So I just the the discover preapprover thing and it said my FICO was 707 from EQ!!

But no offers.. 

Then I clicked on the discover scorecard and it says my fico 8 from EX is 665.. 1% utilization

 TU fico is 667

Quite confusing.. 

IDK

[LionLaw]

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@Anonymous wrote:

So I just the the discover preapprover thing and it said my FICO was 707 from EQ!!

But no offers.. 

Then I clicked on the discover scorecard and it says my fico 8 from EX is 665.. 1% utilization

Quite confusing.. 

IDK

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With scores in the 660s to 700s, you should be able to get approved for some prime cards--Amex, Chase, Citi.

As for the old collection: if a new debt collector just bought the right to collect a 6 year-old $650 unpaid utility bill, odds are they paid next to nothing for it.  You could probably settle it for less than $200 and get it off your report right away.  If you're interested, go over to the Rebuilding Your Credit section of the board and get some more detailed advice on the process from the folks over there.  You seem eager to get moving on improving your credit, so spending under $200 to speed up the process might be a worthwhile investment.  With that gone, your scores will go up considerably, and you will have little trouble getting approved for anything.