Hi all...I thought I was doing good...re-building and all. I have a Capital One CC with a 2500 CL and have come to the realization that it usually appears "maxed" because they don't report your CL. I will be trying the checks they offer and actually maxing it to 2500 then paying it back the next month to solve that problem. My question is, should I have more credit cards? This is the only one I have. I filed BK in 2002 (chp 7) and have "tried" to be diligent since then. I have a few lates that are over 2 years old on some student loans. I also have a judgement thats over 2 years old but was paid within two weeks of the judgement (not exactly sure how to get it removed) but it's only showing on my Equifax report. My Equifax FICO is 623, I have not purchased the other two.
I don't have any auto loans or mortgages. Only good TL on my report are the student loans and the Cap One.
I have two "pre-approved" offers from Orchard & HSBC in the mail and I have been reading on here about the AMEX Delta card. Should I try to open any of the cards? Which one(s)? I realize I will probably take a hit because of the inquiries but it should pay off "if" I get the cards. Advice?