Broken the 600 barrier on one CR. Approaching 600 with another and TU is still my great white buffalo.
I’ve gotten the secured Cap1. The unsecured cap1 platinum at $ 500. Utilization is <5%, one posts Util one posts 0 bal both have activity w micropayments during the month. 1 statement posted w each.
SCT for Vickie’s w PIF for undies before statement cuts. SCT Overstock nothing purchased.
wanting to raise my score obviously, and appear desirable to Prime lenders in the future.
$ 0 collections x3.
1 Charge Off last summer US Bank $ 750. I will maintain my thought I’m blacklisted yet they are receptive to a secured card option upon questioning.
At this point in time Dear Credit Users do I:
A). garden till 7mths with Cap1. Proceed with what I’ve been doing.
B). assess my USAA or NFCU memberships for a secured (or unsecured if I’m lucky)
C). Positive past history on CR’s with no late’s on a Cap1 auto loan. Go me. Give them a call about the Quicksilver.
I am constantly in the GW Letter battle for the 3 collections until 7yrs or removal happens.