Need advice on next step

[Anonymous]

It's farther down in the replies

[SouthJamaica]

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@Anonymous wrote:
It's farther down in the replies

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I saw the cards listed. I don't see the loans or the LOC.

[Anonymous]

WF 21.25% $2934
AE 12.97% $4000
DI 16.99% $4261

[Anonymous]

First, finish paying the card. After that you may proceed in looking for a new car to buy or lease based on your score. I think the dealers and brokers could give you some great advice on how to buy or lease a car.

[SouthJamaica]

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@Anonymous wrote:
WF 21.25% $2934
AE 12.97% $4000
DI 16.99% $4261

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We need to know (a) which is an LOC, and what the credit limit is, and (b) which are installment loans, and what the original loan amounts was.

[Anonymous]

The WF is the LOC. original 3k
Disc and Amex are both installment . Disc original 5k, Amex 4k and just opened

[SouthJamaica]

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@Anonymous wrote:
The WF is the LOC. original 3k
Disc and Amex are both installment . Disc original 5k, Amex 4k and just opened

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OK so summarizing:

WF LOC bal 2500 or 2934 [you gave 2 different numbers] limit 3000

Disc loan bal 4261 limit 5000

Amex loan bal 4000 limit 4000

Credit cards:

Disc $1461 reporting, actual $1100 limit $16,500
Vict Sec 0 1,200
Wells F. 0 4400
Loft. 0. 1,250
Cap 1. 0. 500
DCU. 0. 5000
Maurices 0 1,300
Dillards. 0 3,600
Belk. 0 7,000
Cap 1 Quick 0 1,500
Kohls. 0 2,500
Amex. 0 6,000
Macys. 0. 2,000
Synchrony 0. 4,000
Disc tire. 0. 500

Your credit cards are fine.

Your LOC needs to be treated like a credit card so it should be paid down to 9% or lower.

Your loans should be paid down, preferably to 9% overall.

[Anonymous]

Thank you, South Jamaica! I appreciate all of your help