Hi Everyone. OK, so from August of this year till tod, my scores have gone as follow.
EQ-523 to 667, EX -526 to 684 and TU-524 to 655.
I just opened a capital one Platinum card ($ 300) at the beginning of August and a QS1 ($ 500) at the end of August. I hit the luv button for the both the Platinum and QS1 after the second statement and was was bumped up to $ 800 and $ 1500 respectively. In October, I applied for an Auto loan through capital one and was give the max of $ 40000 but only used $ 22000 of it to finance a new car. The downside of that is, the dealership ran my credit to about 10 different lenders trying to find a better APR than 4.1% (big mistake). I took a few hits but my scores are those above. As of today, I upgraded my platinum card to a QS card with cash rewards.
I have a collection account on my TU only for $ 311. Should I apply for anything else to maximize my credit scores and if so what do would you recommend?
- Quicksilver One $ 1500 (credit steps, third statement)
- Quicksilver-$ 800 n(credit steps, 4 statement)
- Capital One Auto – $ 22000
Any help is greatly appreciated.