Need Help Building Score

Anonymous · ‎05-04-2019

I'll try to keep it short. I am trying to buy a house. My credit score is 647. I haven't had much credit in the past. I one CC with a $800 limit (started with a $300 limit) and two store CC that I have never used in 4 years. They both have a $250 limit. I have one student loan for $3500. I am wondering what types of cards (secured/unsecured, etc) I should have and how many? Which cards are best to apply for?

Okay I went back and read some of the other threads.

CapOne- Limit 800, Balance 0

Victoria- Limit 250, Balance 0

Buckle- Limit 250, balance 0

Student Loan- 3500, paid monthly, but could pay off at any time.

No other derogatory marks, nothing in collections.

ibebarrett · ‎05-04-2019

What are the ages on all 4 accounts?

FICO 8. EQ - 682. EX - 703. TU - 703
FICO 9. EQ - 735. EX - 716. TU - 749

Capital One Quicksilver - $2350 || Care Credit - $23500 || Costco Citi - $7500 || Redstone FCU Secured - $350 || Chase FU - $6600 || Discover - $2100 || Apple Card - $5000 || Wells Fargo - $7000 || REI Co-op - $15,500 || Citi Diamond Preferred - $2800
AMEX Amazon Business - $5500 || Chase Ink Unlimited - $3000

Shooting-For-800 · ‎05-04-2019

First off, if you are buying soon, do not apply for ANYTHING.

I would look at Capital One and Discover prequals.

Hopefully you find a card or two with larger limits.

Otherwise, use what you have and pay it on time.

Rebuild started in 2014 - $100k unsecured credit in 2017 - $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!