Got all collections and paidco's gone from my CR. Current scores: TU: 638 EQU: 617 EFX: 647 No derogs other than some lates over 2 years ago. Looking to get out of subprime land. Any suggestions? btw, is there better way to get all 3 scores than paying truecredit.com $40 for a trimerge + scores? I've done all the free scores from places like eloan.
Your still in Sub-Prime range.. Sears Capital One Household I have never had a problem with these companies. Now if you miss a payment or go over your credit limit. They will KILL you on late fee's and overlimit fee's. On the capital one and Household your still looking at a annual membership more than likely. Or you can hold off, get the scores up a weee bit more.. and go for a card with no annual membership
