Trying to decide what I need to do from here. I started rebuilding back in June at that point I had no score because it had been so long since I used any. So I applied for a discover secured card with a $200 deposit. I used that to pay small bills and kept the balance down and PIF every month. That gave me a starting Ex score of 585 because I had 5 medical collection accounts. I am working on getting those taken care of, as of today I got 4 of them removed Yay ! Unfortunately my EX score only went up to 620 I still have 1 medical collection account that I am hoping to get taken care of in the the next month or so hopefully that will come off my credit report too. After reading people post on here I went and got 2 more credit cards and I will be using the AZEO method with them. I only have 1 other account on my CR which is a closed and paid was always in good standing loan. My age of credit is low at avg 3 years my last new account was 10 months ago besides the 2 new ones that I just got they have not reported yet. I only have 2 inquiries on my CR. So I don't have any open loan activity should I open a shared loan with NCFU. Do you think that will help or should I just garden now and wait. My Eq score is 747 because it only has 2 accounts on it no baddies. TU is 610. Please any suggestions are appreciated. THANK YOU
Removed collections. Check.
Aquire 3 credit cards for AZEO. Check.
If you're going to apply for a loan, I'd research which lender would pull a report from your EQ of 747. Continue working on getting that last collection removed. Other than that, grow your garden.
Personal cards:
