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Need Help Building Score

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Need Help Building Score

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.

Message 1 of 3
2 REPLIES 2
Regular Contributor

Re: Need Help Building Score

What are the ages on all 4 accounts?

FICO 8. EQ - 657. EX - 698. TU - 694
FICO 9. EQ - 689. EX - 673. TU - 683

Capital One Quicksilver - $1950 || Care Credit - $12000 || Costco Citi - $5500 || Redstone FCU Secured - $350 || Chase FU - $3300
AMEX Amazon Business - $5500
Message 2 of 3
Valued Contributor

Re: Need Help Building Score

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  -  $350k+ unsecured credit in 2020.

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