Hellow mine amigos, how are you doing?
First of all I'm 24 rebuilding my credit after completely destroying it when I was in the military (joined at 17), was a Amex gold card holder, put about 8k of debt to it and just forgot about it... looked at my score 5 months ago (589) and decided to fix it.
- Paid off all my debts (about 11k) ,and hired Lexington Law to remove all my negative paid off accounts effecting my score, they have done great so far, and my score has bounce to a 690 on my Equifax and Experian and 765 on my transunion (all the negatives item were removed).
- I got about 3/7 remaining negative accounts on the 2 other credit bureau...hopefully they will all be removed.
- I got a mortgage for 3 months now, and a very high risk car loan I finished paying last month.
- I paid off my american express and got an Optima credit card with a credit limit of $500, its my only card, better than nothing, right?
I spend about 500 bucks in gas, and the idea of earning rewards from it came to mind, so I was just wondering what would be the best choice for me? Though I keep thinking to wait the other negative items to be removed and apply for a very good card like Amex platinum or the Chase Sapphire.