What say you, CBers?

[thewife]

My credit profile is rather thin. We've mainly been cash payers for years and let our credit go to crap. I haven't gotten my real FICO scores (only FAKOs) CK: 645 and CS: 700ish

 

My positives: Capital One Secured $300 CL $1.22 balance Opened 12/12 no lates

US Bank Platinum (AU on Hubs acct) $9000 CL $725 balance opened 3/13 no lates.

Chase SW (AU on Hubs acct) $8500 CL $3000 balance opened 7/13 no lates.

Car loan paid in full set to fall off 4/13 no lates

 

My negatives: BofA DOFD 09/08, settled for less than full balance. Set to fall off 09/15. I'm sure I have at least one reason

to dispute, which I will likely post to its own thread.

HSBC CO (sold to Cap One) set to fall off 01/2014.

 

I'm thinking I'm in pretty good shape to apply for a card in my name alone that's not secured. There are 2 inquiries on my reports.

My thoughts are that I should start applying after the CO falls off in January and BEFORE the positive car loan TL falls off in April 2014.

 

SOOoooooooo. What say you?

 

[funkiehouse]

I would take a look at the creditpulls and see what people are getting in your range and who is pulling your best CRA to maximize your chances. You could also try an obsolete dispute on the CO.

Edited December 13, 2013 by funkiehouse

[thewife]

I'm willing to wait the few weeks it will take for the CO to fall off on its own. If for some reason it doesn't, I'll dispute it, of course.

Over all, do you think I'm in a good position to get a much better card on my own credit?

[funkiehouse]

It looks like you don't have any collections and your baddies are paid off ($0 bal) then you may have a good shot. I got mine with a 4 y/o unpaid repo and 5 OC CO reporting. I think my score was 695. Might be worth buying FICO to see where you're truly at. Look at credit pulls and see who they are pulling in your area and buy that score at myico.com