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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
@Anonymous 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.