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what should I do next??

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Anonymous
Not applicable

what should I do next??

First of all, I would like to say thank you to everyone!!!

My scores are as follow:

 

EQ = 649 tax lean filed on 06/2007   2 hard pulls

TU = 656 no badies on it                    4 hard pulls

XP = 658 tax lean filed on 06/2007   1 hard pull

 

1st premier bank  cc  limit  350$- 100$ balance opened it  on 07/2008- 1  late on nov 2013

1st premier bank  cc  limit  250$- 6 $ balance opene it on 03/2008-  never late 

cap 1 cc                       limit  2500$- balance 1200$ opened it on 01/2009-  never late 

cap 1 cc                       limit  500$- balance 100$  opened it on 07/2008-   never late 

boa cc                          limit  500$- balance 350$ opened on 03/2012-  never late 

gfcu cc                          limit 5000$- balance 678$ opened on 02/2000- 1 late on 02/2011 

barclays cc                  limit 1500- balance 0$ opened on 11/20/2014- just opened it

cortrust cc                    limit 450$- balance 100$ - never late 

credit one bank          limit 1450$- balance 750$  closed - never late 

1st franklin fiancial    personal loan 900$- never late 

merrick bank cc          limit 1150$- balance 0$ closed- never late  (closed by creditor)

 

 

  what card should I look at getting next with my scores and credit ?

 

 

Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: what should I do next??

You probably get a lot more responses if you posted this in the credit card forum

Message 2 of 5
Anonymous
Not applicable

Re: what should I do next??

ok, kool!!

 

thanks  lot!

Message 3 of 5
MarineVietVet
Moderator Emeritus

Re: what should I do next??


@Anonymous wrote:

First of all, I would like to say thank you to everyone!!!

My scores are as follow:

 

EQ = 649 tax lean filed on 06/2007   2 hard pulls

TU = 656 no badies on it                    4 hard pulls

XP = 658 tax lean filed on 06/2007   1 hard pull

 

1st premier bank  cc  limit  350$- 100$ balance opened it  on 07/2008- 1  late on nov 2013

1st premier bank  cc  limit  250$- 6 $ balance opene it on 03/2008-  never late 

cap 1 cc                       limit  2500$- balance 1200$ opened it on 01/2009-  never late 

cap 1 cc                       limit  500$- balance 100$  opened it on 07/2008-   never late 

boa cc                          limit  500$- balance 350$ opened on 03/2012-  never late 

gfcu cc                          limit 5000$- balance 678$ opened on 02/2000- 1 late on 02/2011 

barclays cc                  limit 1500- balance 0$ opened on 11/20/2014- just opened it

cortrust cc                    limit 450$- balance 100$ - never late 

credit one bank          limit 1450$- balance 750$  closed - never late 

1st franklin fiancial    personal loan 900$- never late 

merrick bank cc          limit 1150$- balance 0$ closed- never late  (closed by creditor)

 

 

  what card should I look at getting next with my scores and credit ?

 

 


IMO you could easily get your scores into the 700's by a little utilization tweaking on your CC's. If you worked on that for say 6-12 months you'd be in a much better position to choose what

card(s) will work best for you.

 

Let eveything age and work on those balances.

Message 4 of 5
Goblin
Regular Contributor

Re: what should I do next??

I agree.  Garden for awhile, pay down your debt, and request those soft pull CLI's if any.

Starting Score: Ex: 495 Eq: 492 Tu: 497
Current Score: Ex: 708 Eq: 716 Tu: 710

Message 5 of 5
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