Serious guidance needed lol

[Anonymous]

So let me start this by thanking everyone who tried to help I'm new to the forum although been here hundreds of times.
I first started trying to build credit with bank of america who denied me 3 times for a secured credit card so I ended up with security service secured card to start off my credit then I sadly went over to credit one bank and capital one bank both which I have had for about two years my secured card being actually two years old
I monitored my credit daily I know over kill and I red page after page and I guess following to many different examples I got a little side tracked and was thinking opening alot of cards early would be better so I can get rid of my first two cards one the secured the other being the credit one bank.
Now to where I'm needing major help I ended up over the months total of 2 years I currently have capital one plat 300 balance it's terrible but was hoping to roll that into my quicksilver one with a credit limit is 1750 not sure if anyone agrees with that then I also have a discover it card with a 2.2k limit I also have chase freedom at 1k limit a chase freedom unlimited at 1.5k limit and a chase slate at a 500$ limit
I also have two amex cards one charge gold card the other being a amex everyday card currently age of credit is now low very low like 5 to 8 months what should I do now what would be steps to start with and take in the future I'd really appreciate it
Edit this is my nee info slight variation
Followed this forums for 2 years and so far this is all the information i have on all my accounts
Thank you everyone for all the help and info i have been given through these forums i would like to say i started my credit journey 2 years ago had a stupid low score because of never have any credit besis multiple failed attempts at bofa secured card kept denying me years ago and so ill start now with the important info btw any info future advice recommendations please let me know all opinions welcome
Ssfcu; first account had secured credit card 500 limit for 1.8 yearrrs whi h i cancelled because they do not graduate your cards so i cancelled that but at the same time i had also done a secured installment loan for 500 over 6 months
Fast forward a coulple months back i decided to apply for a real credit card with them and after research decided to go all in and applied for a credit card got 1k at the same time a ploc for 13.3k at 10& both i use regularly love tthe line of credit was unexpected. Funny part is rbfcu which ill get into later
Credit one sadface you read right lol so far my oldest active account at 2k 0 utilization no fee had waived use it every 2 months maybe 3 looking to get rid of it very soon after it hits 3 years forever to the sd
Macys another way for me to begin building my credit when i applied for this i was given 750 for my credit limit didnt use or think much of it made mom a au she spends maybe 100 a month always payed in full fiest cli was to 1k then i was like well they keep doing it so go all in from there i went to 3k 7k and now planted at 16k a month ago for some reason after 7k online wouldnt work had to call. 1.6 years.
Added cap one to the mix with a 500 dollar quick silver the badcredit one which took a whole bunch of time to get to 1750 so i applied for my current qs which i after combining the two i feel very unsure if thats what should jave been done my remaining card is at 2.5k really want a venture card but not showing any preapproval so not applying plus noncard is 3 years old..side note i did get added as a au on parents chase card only 500 limit but 14plus years old
American express i applied for the charhe card and amex blue everyday whoch gor a whopping 500 on amd after trying over and over again have given up on a cli however funny enough they gave me auto cli to 1k will be trying for a manual cli 6/4/18 also two months ago applowd for amex everyday approved for 1k and a buisness hilton card with bonus of 100k points after 4k spend i did that in two months lol also any help on amex clis chime in please lol
Chase was preapproved at 8 months from first credit card for chase sap 450 annual fee i did not take it instead got a chase slate because at one point i thought hey more accounts means established relationships with banks and padding to credit history so i got approved for 500 chase slate a month later the csp/csr was gone but got two more being cfu and cf for 1.5 and 1k sadly tried for a cli pulled me three times was denied done tried merginf and was told cant be used same old spiel but just waiting to move what i can over to one card see if that may show mew offers or something since i no longer have any at all from them
Penfed nothing to say 3 hardpulls later nothing xD
Rbfcu who im excited about this month instantly approved me for 13.3k as a credit card at 9% and a ploc for 5k at 8.9% auto loan for 15k 36 months at 3.9% and they just have me all giddy they have been good to me
Also to mention i forgot i do have a tv from conns thats 24 months it'll be paid off soon
My utilization got bad for two months at about 3k max was barley 5k at the time whoch i quickly recovered from as of now my utilization has been teetering on 0% to 4% my average age of accounts is at 1.8 years but am a au on parents chase that is 14+years old i myself am 22 make 28k a year and my total avail credit as told by cct is at 57 or 47 k will edit because ,right now my rbfcu ploc isnt showing up but my cc is so we will see. How that pans out if anyone has any kind of advice for menplease by all means shoot
Also my tu was at 771 eq 762 ex 762 for some reason before adding my rbfcu or new ssfcu accounts my scores seem to have dropped to tu 750 ex 747 eq 767 and its kinda stayed there not much if any movement yes planning to garden now or later

[Anonymous]

Please post ALL of the following, do not skip anything I list:

1. Each and every credit card you have including the current balance and current credit limit
2. Each and every open installment loan you have including the current balance and the original balance
3. Any late payments and the dates of the most recent 30D, 60D, 90+D late
4. Any derogatory accounts and how old they are/when they might fall off
5. Most recent FICO8 scores, what date you got them and what website you got them from

We can help with that data.

[Anonymous]

---

@Anonymous wrote:

Now to where I'm needing major help I ended up over the months total of 2 years I currently have capital one plat 300 balance it's terrible but was hoping to roll that into my quicksilver one with a credit limit is 1750 not sure if anyone agrees with that

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I definitely do NOT agree with that. You would be better served by getting the Platinum card upgraded to QS, *if* it is the no annual fee Platinum. This is very easy to do, via online chat - just log in and tell them you want to see if you can get QS rewards added to the platinum card. It will become a no AF QS mastercard (not a QS1). Then you want to start requesting Credit Limit increases on both cards - this also can be done online. Get an increase on each one and THEN combine them - but you want to keep the CONVERTED Platinum card, not the QS1, because the QS1 comes with an annual fee.

[Anonymous]

I had no idea I could do that so I can get it changed over that's good to know I appreciate it I don't know why that one got approved with such a low credit limit so I thought just puting it into the other card would be better and as for that upgrade is there something I should watch for as in wording or them trying to give me a fee for the card or something and did you maybe have any other advice for what I should do for future items and as for that secured card maybe? Also this is the first month if ever actually had a balance really on any cards and it's because I let my parents use them and they went way over what I said they could use haha but I'm usually at a 0 balance for everything but I do use my credit cards for literally every purchase

[Anonymous]

Sorry didn't see your message though it was another forum I will do that right now

[Anonymous]

I will list them in the order I got them as well
Ssfcu power secured card 500 limit at 0
Credit one bank 800 limit at 350
Quick silver one 1750. At 350
Amex gold charge card limit 3k at 300
Amex everyday it's got 12 more days before requesting a cli it's at 500 credit limit 0 spent
Macy credit card at 1k spent 0
Chase freedom 1500 spent 250
Chase slate brand new at 500 but balance transferred so it's at 425
Discover card 2.2k at 300
Capital one plat 300 limit 70 spent

I had one installment load I think not sure what that is but I did a 500 dollar secured load first starting credit this was when I got my secured card it was also with ssfcu been paid for a year and a half


Never had a late payment before

As for fick 8 score where should I get from credit karma had me at 669 for both scored this month Equifax dropped down 24 point but transition stayed the same
I applied for a boa credit card they sent me a score of 648

[Anonymous]

Also chase I had freedom unlimited and then they gave me three offers on the app for the chase freedom slate and Sapp preferred but I only did two because the third had a annual fee

[Anonymous]

You can get a free FICO8 Experian score at www.creditscorecard.com -- this is updated monthly.  I suggest waiting until AFTER CreditKarma tells you that all your accounts are updated for the month, THEN sign up at creditscorecard so you always have a fresh score reflecting account updates.

Ignore Credit Karma's skores as they're "entertainment scores" not useful credit scores as used by lenders.  Credit Karma is useful to monitor open accounts, but useless for credit scoring.

If you have a Discover or Synchrony card, they provide a free FICO8 Transunion score.

[Anonymous]

Discover shows me 648