hello! looking to get some tips and sugesstions on the best way to get my score higher.
Here is what my credit profile looks:
Cap One Credit Tracker Score: 645
Credit Karma: 590 and 599
Here’s what I currently have:
Citi Diamond Preferred Opened 05/2013 $ 3500 limit
Capital One Secured: Opened 04/2014 $ 900 limit
Discover Student Opened 06/2013 $ 650
Bank of America Secured card 01/2014 $ 3000 – two years and hasn’t graduated! ( prod due to high utilization)
Just opened cap one plat and QS1 today with $ 500 limit each.
Cards I am an Authorized User on:
Cap One Plat Opened 04/2011 $ 1500
Cap One Secured 01/2011 $ 300
Discover 03/2013 $ 1250
4 student loans – deferred payment until may 2018 – total balance $ 12,500
No late payments on any account.
Three verizon wireless accounts in collection charged off – about $ 700 each – from 09/2014 – not paid, working on settling, they wont do PFD.
So all my cards were used 95% of the limit, just paid off all capital one cards today. I am scared of paying off the discover and Citi, because I am 99% sure that they will close the account with Adverse action as soon as I pay them off.