@Cbush83 wrote:- I have 4 negatives (late payments) with the oldest being 5/2020, 07/2021, 08/2021, and 2/2022.
30 day lates or longer?
@Cbush83 wrote:I have been rebuilding for quite sometime. I am finally at the highest score I've ever had EQ 683 TU 690 EX 698.
- I have 4 negatives (late payments) with the oldest being 5/2020, 07/2021, 08/2021, and 2/2022.
- 3 Credit Cards: QuickSilver 2,300 limit, Savor One 3k limit, Amex Skymiles 1K. ALL CARDS ARE UNDER 30% NO LATES
I am also an AU on my wifes 3 cards AMEX Platinum 15k, AMEX Gold (unsure the amount), AND AMEX Sky 1k
I have 3 main goals.
**Purchasing a used auto (under 15k)
**Refinancing my current auto (11k currently financed through Cap1 at 17%)
**And getting "travel" credit card (preferably Chase)
Im not sure which way to go about it. I would like to do as few inquires as possible. Any Advice??
Im not sure the best route to go
I'd let those lates age. 02/22 is really fresh. After a couple yrs they lose their ding. Get all your cards except 1 to 0% util and leave the 1 with 6%. That might prop you over 700. Basically if you live in the 600's. You'll stay there with more credit moves. Get into the 700's. Much easier then. Put the goals on hold. Work on the refi for a the auto loan once util is down.
