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Im looking to reapply sometime in June, but i have until July. If my score is where it need to be of course.
My credit card limit is $2500
Given your short timeline, the best thing to do is pay your card down to a small positive balance, like $20. And then make sure it keeps reporting at a small number for the next few months. And open no more accounts.
Have you pulled your reports to determine if you have any derogs? (Lates, collections, chargeoffs, liens, judgments, public records, etc.)
Once your CC balance has been updated on your reports (you can use a free tool like Credit Karma to confirm that this has happened) you should sign up for myFICO ultimate ($40/month package). That way you will be able to get your true mortgage scores.
Thanks, No Derogs, charge offs, judgements or anything like that.
I do have lates back in 2015 but nothing since.
I got my cc usage to 8.9% and my score just went up 5 points.
Thanks for the tips, i will continue to use that method.