Hi
Just thought I would share my great news. I think I am ready to let go of my credit one, applied bank , cap one cards x and a hand full of store cards. All of these cards were useful in there own way, and helped me crawl out of credit he!!. Don't get me wrong I am responsible for my past credit dilema.
About a month ago I paid my debt down from 75% to about 15%. My scores improved significantly. I have been approved for Salle mae, chase freedom and tonight I was approved for the CSP.I also got a 3000.00 cli on my care credit card I am so excited. Not trying to increase my credit availability, just improve the quality of my cards I don't mind paying an annual fee for rewards that are useful. But paying 16.00 a month for applied bank or 12.00 a month for credit one for basically no rewards except 1 % on gas doesn't make since to me. I ended up with a boat load of cap one cards that probably aren't going to grow. Top credit line is 3600 on the venture card that I was able to pc from quicksilverone. Will over time close the others. The only store cards that I plan to keep are kohls, Lowe's and overstock.com. I still am waiting for a few baddies to fall off credit report, but am happy for what I have achieved this past 4 years.
Just thought I would share my great news. I think I am ready to let go of my credit one, applied bank , cap one cards x and a hand full of store cards. All of these cards were useful in there own way, and helped me crawl out of credit he!!. Don't get me wrong I am responsible for my past credit dilema.
About a month ago I paid my debt down from 75% to about 15%. My scores improved significantly. I have been approved for Salle mae, chase freedom and tonight I was approved for the CSP.I also got a 3000.00 cli on my care credit card I am so excited. Not trying to increase my credit availability, just improve the quality of my cards I don't mind paying an annual fee for rewards that are useful. But paying 16.00 a month for applied bank or 12.00 a month for credit one for basically no rewards except 1 % on gas doesn't make since to me. I ended up with a boat load of cap one cards that probably aren't going to grow. Top credit line is 3600 on the venture card that I was able to pc from quicksilverone. Will over time close the others. The only store cards that I plan to keep are kohls, Lowe's and overstock.com. I still am waiting for a few baddies to fall off credit report, but am happy for what I have achieved this past 4 years.
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Agree with mrkite33 
Congrats on all your wonderful progress!
Congrats on all your wonderful progress!
Thank you!
congrats!
