- Posts: 1
- Joined: Sun Sep 21, 2014 11:54 pm
- Location: Fullerton, CA
I'm looking for a card recommendation for my situation. I'd like to earn cash back and build credit. Having emergency money would be nice as well.
Here's what my credit looks like:
Credit Karma: 713
I've made 132 on-time payments. I've never been late.
Length of Credit History: 8 Years
Average Account Age
Experian: 7 Years, 3 Months
TransUnion: 5 years
I have a government collections account with a County I used to live in. I had a court-related fine that my Father would make a in-person monthly payment at the local courthouse for me since I'd moved a few hours away.
When he died I didn't remember he was doing this for me and the account was transferred to the County's in-house collections agency. They got in contact with me and allowed me to make a monthly payment. It's been reported since 01/2009.
I was never late and the account was closed and reported as "Paid Closed" since 11/2010.
I was listed as an authorized user on an American Express with a $6600 limit opened 08/2009.
It's listed as "Account Owner: Terminated" since I removed myself as an authorized user in April 2010 but it shows as an open account on my Experian and TransUnion reports.
I had one credit card with Orchard Bank (now Capital One) for 48 months. $300 limit. I paid it off and closed it 06/2013.
I made monthly payments on a $7600 or so student loan from 12/2007 until 12/2013 when I paid them off in full.
Income and Assets
I make about 50k per year working freelance and have about 21k in cash in various accounts.
1 American Express - I was denied for a Plum card for my business in 05/2014.
Any ideas for someone like me?