Credit cards

My credit score is 675 from Experian. That is the credit collecting company that my credit union uses. I also found out an old account left me in debt repayment mode which almost disqualified me from opening a new credit card. They were able to over look it but I immediately called that card which was paid in 2009 and got them to fix the debt repayment note. I got a 2,000 credit limit visa at 13.55% with a four month intro rate of 10.55% and 2% back on balance transfers. Which means I need to complete a balance transfer from my large card ASAP.