ficosontheritz wrote:Any suggestions from the forum?
Derogs tend to have the biggest impact. Effect does taper a bit over time but as long as you have them they will affect your odds. If you qualified for 2.88% on auto that's a bit of a positive sign.
ficosontheritz wrote:I am not in a need for credit, just trying to get into a mortgage soon.
How soon? General advice is no new credit 6 months to 1 year prior.
That really just leaves you with managing revolving utilization (do not exceed 30%) and optimizing (only one balance reporting at 10% or less) just prior to your mortgage. However, it looks like your utilization is in check.
ficosontheritz wrote:After being urged by a friend I called on a Navy fed Cc. Was approved (I couldn't believe it) for a 6k signature rewards card.
NFCU is more lax with approvals and limits which is why they're frequently recommended for those that are eligible for membership.