WHAT DO I NEED TO DO ABOUT SCORE?

[llecs]

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@bsal wrote:

thanks robert for the info; so basically although i already have a major cc with a 20k limit from navy fed credit union your telling me I have to get one more cc to break into the mid to high 700's? correct me if i'm wrong thanks

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I bet you can hit 800 with that one CC. You'd also have to have CLEAN reports with no lates or derogs and some lengthy history too.

[bsal]

well i will love to hit 800 with one cc I really don't believe in having more then one cc its no point 1 is just good for me, i never understood the reason why people have more then one cc, but i really would like to get my score up in the mid 700's to get the best rates posable. I did however call the bmw dealership and the fiance guy said i would however qualify for their best rates with my current score but i'm not sure if i want to believe that , for some reason i think yo credit score needs to be in the 750's to get the best rates and my 685 trans and 717 equifax  is not quite there yet

[MarineVietVet]

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@bsal wrote:

well i will love to hit 800 with one cc I really don't believe in having more then one cc its no point 1 is just good for me, i never understood the reason why people have more then one cc, but i really would like to get my score up in the mid 700's to get the best rates posable. I did however call the bmw dealership and the fiance guy said i would however qualify for their best rates with my current score but i'm not sure if i want to believe that , for some reason i think yo credit score needs to be in the 750's to get the best rates and my 685 trans and 717 equifax  is not quite there yet

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You might start a new thread in Auto Loans talking about what BMW told you. I bet you'd get specific advice about BMW there.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[bsal]

you know what marine thats a good idea thanks i will do that