@Anonymous wrote:
Hi all, I became a member on 08/19/16. At that time my FICO8 scores were EX 591 TU 585 and EQ 563. As of today they are EX 620 TU 591 and EQ 572. I have two lines of revolving credit. One Cap 1 QS1 that at the time of these scores were showing 99% utilization (horrible I know) and a Fingerhut account that has not been reported to TU as of yet. I am expecting my TU score to improve after this new line is considered and I am expecting all three to go up after my statement for Cap 1 is reported. I guess my question is where do I go from here? I am in the process of disputing items with all three of the bureaus and would just like for things to move faster. Should I apply for any more credit. I'm sitting at about 7-9 inquiries on each report already. Any help will be appreciated!!!
Started in high 500s 08/16
Current 9/16~ EX 620 TU 591 EQ 572
How old is the Cap One account?
If its six months old you can apply for a second one (Platinum is what you want)
App for a secured card from Discover, or one of the FCU's such as SDFCU, NFCU, NASAFCU, PenFed or DCU.
