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How can I get my credit Score higher? Advice is needed!!!!! Thanks

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Anonymous
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How can I get my credit Score higher? Advice is needed!!!!! Thanks

Hello All, '

 

I need advice on how to get my credit score higher than what is is curently.  All of my scores were above 600 at the beginning of the week.  Once, new CC accounts hit the score decreased for new account inquiry and new account.  What do I need to do?

 

TU: 642

EQ: 618

EX: 598

 

Current Scores: April 23, 2015 @ 11:46 EST

Message 1 of 22
21 REPLIES 21
Anonymous
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Re: How can I get my credit Score higher? Advice is needed!!!!! Thanks

Thats normal, and temporary. Your scores will recover. What current accounts do you have? what are the limits and balances?

Message 2 of 22
Anonymous
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Re: How can I get my credit Score higher? Advice is needed!!!!! Thanks

Victoria Secret: $ 350  Balance : 0 pd off once statement was available

Quick Silver One CC: $ 500  Balance: 127.00 

Fingerhut: $500 Balance ; 0 pd off once statement was available

 

Message 3 of 22
Anonymous
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Re: How can I get my credit Score higher? Advice is needed!!!!! Thanks


@Anonymous wrote:

Victoria Secret: $ 350  Balance : 0 pd off once statement was available

Quick Silver One CC: $ 500  Balance: 127.00 

Fingerhut: $500 Balance ; 0 pd off once statement was available

 


You'll recover some points when you get the Cap One card under $50. I'd suggest adding two more bank cards. Cap One will give you a second account. How old are your accounts?

Message 4 of 22
Anonymous
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Re: How can I get my credit Score higher? Advice is needed!!!!! Thanks

You'll recover some points when you get the Cap One card under $50. I'd suggest adding two more bank cards. Cap One will give you a second account. How old are your accounts?

 

 

The QS1 , VS, FH was open in Mar.

 

What type of bank cards do you suggest?

Message 5 of 22
Anonymous
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Re: How can I get my credit Score higher? Advice is needed!!!!! Thanks

Add another Cap One card to start with. Wait for it to start reporting for two months, then see what your scores settle at, then check the credit pulls database to figure out who would like approve you with the score at that point.

Message 6 of 22
Anonymous
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Re: How can I get my credit Score higher? Advice is needed!!!!! Thanks

I currently have a secured Cap One Card.  Still try to get another Capital One CC?

Message 7 of 22
Anonymous
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Re: How can I get my credit Score higher? Advice is needed!!!!! Thanks


@Anonymous wrote:

I currently have a secured Cap One Card.  Still try to get another Capital One CC?


Go to the Cap One prequal site and see if you qualify for another card.

Message 8 of 22
Anonymous
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Re: How can I get my credit Score higher? Advice is needed!!!!! Thanks

Ok, I will thank you.

Message 9 of 22
Anonymous
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Re: How can I get my credit Score higher? Advice is needed!!!!! Thanks

Even if the prequal doesn't give you any luv, app anyway... Your scores are in line.

 

Message 10 of 22
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