EX: 615 FICO8
EQ: 645 (FAKO)
3 years AooA
21 Inquiries in last 2 years/6 in last year
10 accounts open in last 2 years
39% Credit Used
3 Cards @ $ 500 each (Cap1QS1 – CreditOne – USAA Secured)
92% on time payments (22months since last late)
1 Collection (about to drop because of PFD)
1 Derog (Conns late – paying settlment monthly) – showing only on EX
1 Auto Loan (2years paid on time @ 19% interest)
Can anyone tell me what cards might be willing to approve me?
Also want to refinance my car because of the ridiculous 19%….suggestions?