Looking for advice, tough to feel like it isn't personal, I've been trying for 6-8 years to get the credit rebuilt, but I my efforts seem to have almost no effect.
Current situation, 8 cards, all VERY high utilization (combined 89-90%). Get my bonus tomorrow, and will be paying all these cards to $0.00. Might utilize they AZEO plan in the future, but most of the cards are toy cards
2x Credit One ($1600 / $1400 limits)
2x Capital One ( $1500 / $1250 limits)
Discover Secured ($200 limit)
Indigo ($300 limit)
Shell gas ($300 limit)
Conoco gas ($100 limit)
My income is really strong, also have a home mortgage (~$2700/mo with PMI), just finished paying off two different car loans (had high interest loans for the last 25 years).
I have about 9 collections (about half are medical), totalling about $2500 (depending on which CB is asked). The dates on all these are 2015-2017. With the bonus mentioned above, I can pay off all the collections accounts, as well as 100% of my CC debt.
Here's what I'm really trying to do - I refuse to get into another high interest auto loan, but I need a new vehicle (new to me...). After much research, a lease seems like a good play for me; so that's probably my preference, my current numbers are 589EX, 678EQ, 639TU.
How do I get to a good auto loan/lease fairly quickly?