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From your info so far, I would say cap one and maybe disco, check their prequals. If disco offers a secured grab it, it will graduate. If cap one is only secured, wait it doesn't graduate. Looks like amex and citi will be off the table for quiet a while. Usually they want all their money back to get back in. Good luck and what you and DW decide.
@Anonymous wrote:
I am looking for some advice for my DW’s rebuild. She had 3 cards charged off back in 2016, 2 of them are paid off and one will be paid within 2 weeks. She burned the following:
AMEX - settled for less
Citi - settled for less
Sync - To be paid
Her current line up is the following:
Joint Auto Loan - $54K of $62K (October 18)
Kohl’s Charge - $400 limit (has had this card for 4 years)
AMEX Gold - AU on my account
Credit One - AU on my account (I made the mistake of getting this card and adding her and am closing soon)
USAA Classic Visa - AU on my account
I am looking to increase her scores. I am looking for advice on which cards she should get, how many, and should she wait until the last CO is paid & updated before getting a new card?
If more information is needed, let me know. I have not viewed her FICO score yet, however her FAKO scores are TU 673 & EQ 682. I will be setting her up on MF to get her true FICO scores.
Thanks in advance!
Its only 2 weeks. Yes wait until all the CO's are taken care of and are reflected on her reports. It will look much better to the UW's that all debts were paid.