wrote:
Thanks for the reply ...what is DP? guessing more details....I credit score wise I am in the high 600's right now , 675 to 697 across the 3 credit bureaus. I've been at this for a year. Also was able to get a medical collection off Experian and Trans Union. Neet to check Equifax. I am looking to buy a house at the beggining of next year, so my goal is to get in the 700's and to keep raising it ofcourse. So I wonder if I should risk another "ding" with a hard inquiry (it did go down 3 points with transunion) or get a secure card that reports to all 3 agencies.
No military members unfortunately.
DP's usually refers to data points... info.
For instance... What are your limits? Which cards are reporting on which credit bureaus?
It's good to have some accounts reporting, when there isn't much history. It's not good to have too many new accounts all opened in a short period of time. But, it depends on the credit issuer and their tolerance level.
That said, you may want to pump the breaks on that mortgage application. It typically requires at least 3 tradelines open for at least 24 months. Now, some lenders in the past have been willing to take letters of credit from local utility companies. But, even if you can find a bank like that, it's probably not going to be at fair rates.
The other option is to purchase with a significant other, that already has the requisite accounts. Or, perhaps a parent, or other close relative can co-sign with you.
Just remember the credit game is not a race. There are very few shortcuts, at least anymore.
Also, Navy is now accepting immediate relatives of those that served, even if they were never members. For instance, some users have reported joining due to their grandparent's service.
