Advice needed to ^ Credit Score

[DesertLife]

What to do, what to do!

I'm in the garden! I'm in the process of sending GW letters to the negative and collections accounts reporting. I'm going to keep the CSP, and the BCP, but am seriously considering canceling the Ink Bold, Alaska Airlines, and AAdvantage when their AF comes up. What are the best things I can do to get my credit score up as high as possible? Ideally I'd like to be above 750. What does it take to get there from here? What about 800+?

EQ MyFico: 730 July 2013

AGI: $65,000 annually (4% less than last year)

CREDIT REPORTS AS OF AUGUST 2013

EQ

AAoA: 4 years 5 months

9 INQ's (8/11; 4 - 7/12; 11/12; 12/12; 1/13; 7/13)

NO COLLECTIONS

1 NEGATIVE ACCOUNT (Last Paid: 10/07)

TU

2 INQ's (7/12; 12/12)

2 COLLECTIONS: OFF: 12/13 & 03/14

1 NEGATIVE ACCOUNT (Last Paid: 10/07)

EX

5 INQ's (7/12; 11/12; 12/12; 2 - 1/12)

2 COLLECTIONS: OFF: 12/13 & 03/14

1 NEGATIVE ACCOUNT (Last Paid: 10/07)

8 Credit Cards w/ $72,900k in available revolving credit, $2,500 in available lines of credit, no car payment, and a 2 year old mortgage.

Credit Cards & Annual Fee's:

Chase Sapphire Preferred: $95 Just came up on August 1st.

AMEX Blue Cash Preferred: $75

Chase Ink Bold: AF $95 on 11/2013

Bank of America Alaska Airlines: $95 on 1/2014

Citi AAdvantage: $95 on 1/2014

[azguy13]

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@DesertLife wrote:

What to do, what to do!

I'm in the garden! I'm in the process of sending GW letters to the negative and collections accounts reporting. I'm going to keep the CSP, and the BCP, but am seriously considering canceling the Ink Bold, Alaska Airlines, and AAdvantage when their AF comes up. What are the best things I can do to get my credit score up as high as possible? Ideally I'd like to be above 750. What does it take to get there from here? What about 800+?

EQ MyFico: 730 July 2013

AGI: $65,000 annually (4% less than last year)

CREDIT REPORTS AS OF AUGUST 2013

EQ

AAoA: 4 years 5 months

9 INQ's (8/11; 4 - 7/12; 11/12; 12/12; 1/13; 7/13)

NO COLLECTIONS

1 NEGATIVE ACCOUNT (Last Paid: 10/07)

TU

2 INQ's (7/12; 12/12)

2 COLLECTIONS: OFF: 12/13 & 03/14

1 NEGATIVE ACCOUNT (Last Paid: 10/07)

EX

5 INQ's (7/12; 11/12; 12/12; 2 - 1/12)

2 COLLECTIONS: OFF: 12/13 & 03/14

1 NEGATIVE ACCOUNT (Last Paid: 10/07)

8 Credit Cards w/ $72,900k in available revolving credit, $2,500 in available lines of credit, no car payment, and a 2 year old mortgage.

Credit Cards & Annual Fee's:

Chase Sapphire Preferred: $95 Just came up on August 1st.

AMEX Blue Cash Preferred: $75

Chase Ink Bold: AF $95 on 11/2013

Bank of America Alaska Airlines: $95 on 1/2014

Citi AAdvantage: $95 on 1/2014

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Really, it sounds like you just need to keep sending the GW letters to get the baddies off your report. I would not cancel the cards you mention due to their annual fees. I would in fact call chase, citi, and BOA and ask them to waive the AF. This has been done by a few people on this forum. Your best bet would be to call the EO. 

If you cancel those cards then your credit available will take a nose dive and your UTI will go up whenever you do use the remainder of your cards. 

Once you get to a certain point, it is hard to make quick jumps in your CS. One thing that may raise your CS slightly would be a new installment loan. I am not telling you it is wise to go out and spend $30k on a car to raise your score though.

Just keep paying your bills on time, let inq's drop, and continue gardening and you will be sitting pretty.