Thank you for all of the amazing information here on the boards. I am becoming more confident in my ability to climb up the ladder…
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My current TU is 597, EQ 615, and EX is 603 (FCR.com score)
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I have a few accounts in collection that I am paying and last year had a 120 late on the mortgage, but was able to get and keep that current. My wife and I earn a very good salary, but with everything that has happened, are struggling to get past it all.
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My question is what should I do to establish new credit accounts? I travel every week for work, I pay via my debit card and I have a BofA card that is maxed but if I pay down anymore (I paid 4k down on it this year) BofA will reduce the CL more as they did every time I made a dent in the debt…
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So… is Orchard the right move? First Pemier? What exacatly would I need to do to get into the Capital One credit steps program (I have been getting Cap One pre-approval offers like crazy)? I was thinking of a NFCU secured card or USAA as I am full members of both, but I have read secured cards report out as such and therefore are not as helpful, is this really true?
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I plan on GW’ing a couple 30 days from Citi for my Exxon and Home Depot cards for what its worth as well as follow up on the PIF’s with a delete request….
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Thanks for any and all advice!
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