What should I do next with these Scores?

[derrickv]

Here is my credit breakdown:

Pulled all 3 from myfico

TU:676 EQ:663 EX:651

TU:2 accounts,(2 still need to report),5 inq.,1 collection, 7 month credit history
The collection is from 2001 (afni)-181.00

EQ:5 accounts, 1 is derog.(Asset-1,987. from 2001), 4 inquiries, 1 collection, 7 month history
The collection is from 2001 (afni)-181.00

EX:4 accounts, 4 inquiries, 1 collection, 7 month history
The collection is from 2001 (afni)-181.00

What cards do you think I should apply for given my history and scores?

I currently have:

Orchard Secured-200.00

BestBuy Mastercard Rewardz-300.00 (AU)

Wamu-1500.00 (AU)

Kays-1500.00(AU)

I would like to get my own cards now.

What steps should I take to increase my scores?

I also posted on the CC section incase this was the wrong one.

Thanks for any help!

[derrickv]

Also, I had a CC from Capital One in 1999 that was charged off. Finally came off my reports a year or 2 ago. I never paid it.

Also had First Premier that was charged off and removed. I dont want to go with them again.

I wonder if Capital One would give me another shot.

I haven't tried BoA yet but will look into it.

Im trying to figure out which cards would give me the best chance of getting approved with my short history and scores.

[llecs]

I would wait 5 months. Your history is real low and you may see a bump at the 1 yr mark. The CA should fall of between now and then as well, giving you a score bump. You'll have a higher score and you'll have more CC options (CL and CC quality).

Plus if you app now, your scores will drop.

[llecs]

To add, CapOne isn't a very good card, IMO. I avoid them.