I've been playing the waiting game, hadn't checked my scores in a year, and looked and was surprised to see a 120-point jump in my scores! I have a TU 761, Eq 764, and for some reason am waiting for Exp to mail me a password. All the bad stuff is gone.
I am shocked and delirious. It's been 8 years since I got into trouble, and about four since I finally did the research to see that waiting might be the way to go.
So now what? I have one secured credit card for $650, and that's it. Should I apply for just one cc this year, for say, $5,000? I understand that I probably want to have two more ccs, but that applying for more than one in a year may hurt my score.
Also, I can't have a blip on my report in the next three months, because I am going to move in NYC, and need my score to stay as is or higher.
