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Hi All,
Longtime lurker, first time poster.
I'm in the midst of rebuilding my credit and looking for some advise specific to my credit situation.
Background info: Had a score of about 450 two years ago, due to having a vehicle reposessed and a couple of smaller bills charged off during a period of extended unemployment. I also had a CapOne secured card with $500 limit at the time that went 120 days late and was closed.
Last year I got a car loan, Discover IT Secured, and CapOne Platinum secured, and was added as AU on my girlfriends' Amex Everyday and Chase cards.
Since then I have added CapOne Quicksilver One unsecured, Gap Card, American Eagle Card, Target Card, Kohls Card, and ExxonMobil Card.
Neither of my secured cards have graduated or seen a CLI.
Current Profile:
EQ Fico8 - 631, 8 inquiries
TU Fico8 - 628, 19 inquiries
EX Fico8 - 614, 17 inquiries
AAOC - 2.5 years
Oldest Account - 7 years
Newest Account - 1 month
Amex - 2,000 limit - 1,080 balance - Opened 6/2017 - Never Late
CapOne - 200 limit - 0 balance - Opened 6/2017 - Never Late
CapOne - 300 limit - 0 balance - opened 1/2018 - Never Late
Chase - 3600 limit - 2,900 balance - opened 2/2017 - Never Late
Car Loan - 10,044 balance - opened 2/2017 - never late
Discover - 200 limit - 0 balance - opened 6/2017 - Never Late
Gap - 200 limit - 0 balance - opened 1/2018 - Never Late
AE - 175 limit - 0 balance - opened 1/2018 - Never Late
Target - 200 limit - 0 balance - opened 1/2018 - Never Late
Kohls - 200 limit - 0 balance - opened 1/2018 - Never Late
Closed Accounts in Good Standing:
BOA - 7000 limit - 0 balance - closed 2015 - never late
Car Loan - 0 balance - closed 2014 - never late
Baddies:
CapOne - 500 limit - 0 balance - 120 days late - closed 2016
toyota repo - 15,000 balance - 120 days late - repossessed - account charged off
Verizon - 204 - charged off 2011
Verizon Wireless - 1070 - charged off 2016
FirstPremier Bank - 634 - charged off 2012
I'm encouraged by my hard work since the repo raising my score nearly 200 points, but I am not yet where I need to be.
I intend to garden for the next 6 months, pay off amex and chase, build history with all open accounts, and hopefully graduate my two secured cards.
My holy grail is scores over 720 and an Amex Platinum and I'd appreciate any advice based on all of this information to help get me there!
Thanks!