Working on my wife’s credit here.
5 years post business BK from 03/2010 discharged.
TU 619 EQ 611 EX 632
Approved for and closed on new mortgage May 2015
No installlment accounts besides mortgage
Everything is paid as agreed, paid or paid closed remarks.
1 account still showing collection from comcast on EQ and EX. Working with comcast business / exec cust relations to get removed. Current status shows it open, and seriously late yet you payment history is reported.
3 Revolving accounts Premiier, Credit One and Cap One
Util isreporting at at 40% on two cards Cap 1 lagging behind at 105% (it’s down to 70% and dropping) Cap 1 did a CLI 2 weeks ago. Small limit cards however, highest is cap 1
TU has 3 HP, EQ 1 HP EX 0
55K for yearly salary
I’m expecting a decent bump from getting that comcast collection removed. That appears to be hurting score the most.
What next? She shows pre-qualed for Venture and QS with Cap1? Should we app or wait? Add her as authorized uses to my trade lines? I have 72K of available trade lines right now.