So here’s the Skinny my current scores are as follows via MyFico
3 CO CC (currently ruining my UTL with a 98%
1 In active collections reporting to TU & Ex
I was so stupid and this is the longest 7 years of my life!!
Student loan with only one missed payment started in 2007
9 Year credit History
CO to be removed in 05/2017 (not really a good thing but you know)
Capital One QS $ 300->$ 800 (hasn’t reported CLI yet) opened in Aug 2015 (no late payments 5% utl)
Capital One Secured CC AU –>$ 200 oppened in Aug 2015 (no late payments 2% utl)
So the million dollar question is Should I apply for another Credit Card to help lower my overall UTL? If so which one?