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Rebuilding Credit - Plateau - Need Help on Adding New Card

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Frequent Contributor

Rebuilding Credit - Plateau - Need Help on Adding New Card

So I've been rebuilding for a while after a nasty divorce and some fraud by the ex.. Here's my current info What card/bank could I qualify for? I feel like I've reached a plateau. I'd like to add another positive trade line / credit card. Suggestions on what I could qualify. Waiting on results from latest disputes...I've been fighting some cross file / mixed file issues which has made cleaning up much harder than I thought

 

FICO 8 - EX 618 / TU 623 / EQ 627

 

Good

 

CapOne QS1 MC  $7250 Limit / Balance $1500 - 4y 11m - Never Late

CapOne PMC - $1000 Limit / Balance $25 - 5y 5m - Never Late

PACU Visa - $5000 Limit / Balance $3800 - 0y 8m - Never Late

SL - $6500 / 3y 6m - Never Late ( New TL after rehab)

SL - $3500 / 3y 6m - Never Late ( New TL after rehab)

Auto Loan - $10,500 / 2y 0m - Never Late - Current

PAID Auto Loan $8,000 24m - Never Late

Paid Visa / Closed / Never Late (shows open on EQ)

 

Bad

 

SL - $6000 - 10 Lates in 2014 / Closed / Paid

SL - $3500 - 10 Lates in 2014 / Closed / Paid

 

Disputed Med Collection $613  3 years - EX / TU / EQ 

Disputed Med Collection $386  3 years - EX / TU 

Disputed Med Collection $1188 6 years - EX

Disputed Util Collection $279 3 years - EX / TU / EQ

 

Pub Rec - Tax Lien - 6 years old

Pub Rec - Tax Lien - 6 years old

 

 

Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Barclay AA - $28k | Cap1 QS $26k | PenFed Plat $25k | NFCU Sig VS $24k | Chase CSP $20k | Chase Ritz $20k | Amex SPG $20k | BofA BBR $15k | NFCU LOC $15k | BofA CR $13.5k | Sync Lowe’s $12k | Citi AA $10.5k | Amex Delta Plat $10.4k | Marvel MC $8k | Citi Costco VS $7k | Sync Amazon $6.1k | Amex ED $2k | Amex BCP $1k | Amex PRG NSP / $25k Pay Over Time
Message 1 of 3
2 REPLIES 2
Established Contributor

Re: Rebuilding Credit - Plateau - Need Help on Adding New Card


@cashcorp1 wrote:

So I've been rebuilding for a while after a nasty divorce and some fraud by the ex.. Here's my current info What card/bank could I qualify for? I feel like I've reached a plateau. I'd like to add another positive trade line / credit card. Suggestions on what I could qualify. Waiting on results from latest disputes...I've been fighting some cross file / mixed file issues which has made cleaning up much harder than I thought

 

FICO 8 - EX 618 / TU 623 / EQ 627

 

Good

 

CapOne QS1 MC  $7250 Limit / Balance $1500 - 4y 11m - Never Late

CapOne PMC - $1000 Limit / Balance $25 - 5y 5m - Never Late

PACU Visa - $5000 Limit / Balance $3800 - 0y 8m - Never Late

SL - $6500 / 3y 6m - Never Late ( New TL after rehab)

SL - $3500 / 3y 6m - Never Late ( New TL after rehab)

Auto Loan - $10,500 / 2y 0m - Never Late - Current

PAID Auto Loan $8,000 24m - Never Late

Paid Visa / Closed / Never Late (shows open on EQ)

 

Bad

 

SL - $6000 - 10 Lates in 2014 / Closed / Paid

SL - $3500 - 10 Lates in 2014 / Closed / Paid

 

Disputed Med Collection $613  3 years - EX / TU / EQ 

Disputed Med Collection $386  3 years - EX / TU 

Disputed Med Collection $1188 6 years - EX

Disputed Util Collection $279 3 years - EX / TU / EQ

 

Pub Rec - Tax Lien - 6 years old

Pub Rec - Tax Lien - 6 years old

 

 


If I were in your shoes I would not be in such a hurry to add new tradelines.  You have plenty of positive accounts so why not keep plugging away at getting the negatives removed then you will have much better luck when the time comes to apply for something new. 

Message 2 of 3
Frequent Contributor

Re: Rebuilding Credit - Plateau - Need Help on Adding New Card

I've been hanging tough waiting for disputes etc...I've gotten most of of the collections disputed off or removed through pay for deletes...Old SL Trade Lines disappeared from TU this past weekend, have been working with FSA Ombudsman Office because the old TL's were/are showing Current Status as 120+ Days Past Due even though $0 Bal/Closed...That's been a process but fingers crossed that I'll wake up and they'll have disappeared from EX & EQ. On TU & EQ, all collections and charge off have been removed. Experian, I'm waiting on 1 collection to come off (pay for delete) and have 1 still in dispute (after filing a complaints against Experian & Col Agency with the CFPB, BBB, & State AG's Office) bc it's not mine and have documentation from the DV Letter I sent to the CA that shows it is not my account. FICO 8 | EX: 650 | EQ: 666 | TU: 701 INQ | EX: 0 | EQ: 2 | TU: 1 Util | 37%
Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Barclay AA - $28k | Cap1 QS $26k | PenFed Plat $25k | NFCU Sig VS $24k | Chase CSP $20k | Chase Ritz $20k | Amex SPG $20k | BofA BBR $15k | NFCU LOC $15k | BofA CR $13.5k | Sync Lowe’s $12k | Citi AA $10.5k | Amex Delta Plat $10.4k | Marvel MC $8k | Citi Costco VS $7k | Sync Amazon $6.1k | Amex ED $2k | Amex BCP $1k | Amex PRG NSP / $25k Pay Over Time
Message 3 of 3
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