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Would like a little insight as to what direction to take with my brothers profile. His main goal is to obtain a mortgage next summer.
His scores are the following:
EQ - 632
EX - 637
TU - 657
AAoA is 7 months.
Inquries:
EQ - 3 (2 in 1 year)
EX - 7 (5 in 1 year, 2 in 6 months)
TU - 5 (3 in 1 year, 2 in 6 months)
One collection reporting on EX and EQ to be removed by October 2017.
Accounts all in good standing no lates.
New Yo. and Co. - $250 Opened 8/2016 $0 balance
Boscov -$250 Opened 8/2016 $0 balance
NFCU CC - $5K Opened 9/2016 $702 balance
NFCU Auto Loan - Opened 2/2017
Suncoast LOC - $1K - Opened 8/2016 Maxed out at this time, paying in full by August 8th
Amazon Store Card - $500 - Opened 5/2017 $0 balance
PayPal Credit(I know it's hidden) - $500 $0 balance
If I am missing any important infor please let me know! He would like to ditch the New York and Boscov cards to bring in something better. Is that advisable? Don't know what direction to point him in! Cash back cards would be something for him, as he doesn't travel. Reccomendations? Thanks my credit gurus!