What would you do with this credit profile? I need your expertise.

[jamie123]

You have plenty of credit cards when it comes to FICO scoring. In other words, getting more credit cards will do nothing for your scores.

You should however investigate getting a 4 or 5 year $500 share secured loan from either Alliant Federal Credit Union or SDFCU (State Department Federal Credit Union). It would boost your scores a bit and you would look much better on a manual review by having installment loan history on your reports.

You can open a savings account at Alliant or SDFCU and app for and get a share secured loan all without any hard pulls. I have a 4 year loan with Alliant and a 2 year loan with SDFCU. Interest on these loans is only 2.7%.

[RandomSpirit]

Thanks Jami123. I appreaciate your suggestions as well. I am I currently investigating loans as well as suggested earlier. At my CU today I found out that PLOC is 15.95% and Shared Secured loans begin at 5.99%... I did not apply because of others mentioned on here. I will defiitely check out Alliant or SDFCU  2.7% seem like a much better deal if I cant get it and I like the no HP. Thanks again!

[Themanwhocan]

For pure APR with no cash back:

Beach Municipal FCU VISA Platinum.         As low as 5.24%

Apple FCU Visa Platinum.                   As low as 5.74%
Citizens Community CU VISA.                As low as 5.74%
Long Island Community FCU VISA Platinum.   As low as 5.74%
Premier FCU VISA Platinum with rewards.    As low as 5.90%
University fcu great rate card.            As low as 5.90%  (join Longhorn Foundation, to become eligible)
Lake Michigan Credit Union Prime Platinum. As low as 6.25%

You probably won't qualify for most of these due to resticted area of business.

[RandomSpirit]

@Themanwhocan,  good to know about these. Thank you so much.