getting the best scoring

[darrin073]

i have nfcu secured credit card, cap1 platinum, credit one and walmart store card , verve and surge cc . bk 7 that is almost 1yr post. scores are 587 eq 602 tu and ex 618 trying to get the score up . not sure how to get the max out of score points per month. any help would be nice

[Anonymous]

Do you have any open loans?

Are you asking about long term benefit to your score (over time) or a short term boost (to help with a loan you are applying for soon)?

You have plenty of credit cards -- you don't need any more.  How much do you owe on them and what is your combined credit limit? 

[darrin073]

i owe pretty much nothing on cc i do have 5300 installment loan with onemain

[darrin073]

Once i get to a yr mark . Before the annual fees are due on credit one and verve and surge im closing them

[darrin073]

Im hoping nfcu gives me a cc once i hit the 1 yr post bk 7. As they denied me any product for bk7 reason . But gave me a secured cc i had since only sept 2017

[Anonymous]

If you've got a BK present, a baddie that you cannot get rid of, there's not much you can do to fix that major sector of FICO scoring other than give it time to age and go away.

With utilization, just make sure that all of your credit cards are reporting a $0 balance every month and that just 1 of them reports a small balance.  This could be $5 for example.  All zero except one is known as "AZEO"

You already have an open installment loan, so you have that going for you in terms of helping your credit mix.

Just continue to pay everything on time, implement AZEO described above, don't apply for any additional credit and simply let time do it's thing and you'll be in a good place before you know it.