What to do ?

[trinbago84]

Hey friends,

 

I sort of taken a recent interest in my credit (no pun intended?) and new to the scene and looking for some advice.

 

Ive had bad credit after letting a bank of america secure card go and a bank of america account close back in 2006. Its not showing up now on my credit now and as of last year I opened a secured card with Navy Fed. It brought my score from around 535 per credit karma to now around 736.

 

Ive had perfect payment history and only carried a balance once. I went up to about 95% util but paid it off before the next statement. I bumped it from 500 to 1200. I also just got a secured card through Capital One (in retrospect thinking i should have just applied for a regular card through them!)

 

Anyway my FICO scores from TU and EQ are 712 and 716 respectively now (dont know about experian) but im looking to start getting some more lines of credit.

 

Heres the skinny

 

NavyFed supposedly will unsecure in about 15 days

Cap one secured will start showing up in about 21 days

I am looking to rent apartments soon.

I have 2 hard pulls for the entire year

 

 

 

My questions are ...would applying for GE Bank cards (Amazon, Walmart) mess things up with Navy Federal making a decision to unsecure me?

 

Will that impact my score enough to make landlords suspicious?

 

should i just sit my happy flowers down and wait until the navy fed unsecure and new place is over with?

 

 

 

On a side note what do u guys think about keeping capital one secured card for 6 months and then going for a venture card or something like that

 

 

Ultimate goal is to keep cash rewards with navy federal forever (because they have been the best)

 

Obtain a travel rewards card that I can use for business travel through capital one or whoever has the best.

 

and then have something like amazon and walmart cards and possibly a NavCheck line of credit through navy federal

 

Thanks in advance!

 

 

 

 

[Analysis]

Check the credit pulls database on this site.