New to the forum and looking for some help on getting my credit score at 700+.
Came across this place probably a little bit late, considering that already made some moves in the past month, that might not have been the best ones.
I’ll give you an idea of where things are at this point.
credit karma score
transunion at 697
equifax at 688
myFico score as of right now (not sure of what it was in the past)
Equifax Fico 8 – 632 | Fico 5 – 634
Transunion Fico 8 – 641 | Fico 4 – 650
Experian Fico 8 – 629 | Fico 2 – 621
Old credit cards
2012 Credit One $ 800
2012 Capital one $ 1200
2011 Secured US bank credit card $ 500 (not much use there)
closed Old navy – good payments
closed Victoria secret – some late payments (some stupid mistake)
closed secured capital one credit card
2009 Bank of America credit card that was defaulted in that period
Picked up by Midland and paid off the collection.
denied for chase freedom and a amex from costco
fair number of hard inquiries from the auto finance loan as well
No opened collections at this point
Cards added this past month
Capital one Quicksilver $ 2000
Capital one Venture $ 5000
Amex Delta $ 1400
Us bank business Plex Travel $ 3000
A business credit line that should be confirmed in the next day or so
Financed auto for $ 51k
I can keep most balances at close to 0, but would like to use them for daily purchases for the rewards. Can pay them anytime.
Also got a membership with lexington law to remove some accounts.
Can pay on the auto finance more out from the balance 20 – 30k.
How do you guys advice me to take it from here?
I understand I might have messed up by adding too many accounts recently