06-27-2013 05:16 PM
06-27-2013 05:18 PM - edited 06-27-2013 05:19 PM
Something you can do that may help
Try for SP only CLI's
If you can afford to pay a big chunk of the card in question off but I know since you maybe saving for downpayment this may not be an option
any of those 2 would get you a few points
06-27-2013 05:19 PM
06-27-2013 05:25 PM
06-27-2013 05:31 PM
Myjourney- thank you for your honest but positive feedback. I would have probably made a mistake had I not asked. You are right, it's not worth the few points I would gain. No use in risking a negative result. I have been so credit crazy these past few months and I am always eager to improve my score. Good to know this is too risky to do that.
You are very welcome ...anytime
06-27-2013 07:23 PM
What's the limit on your Discover? Are you maxed? If not, you're probably worrying yourself over nothing.
06-27-2013 07:32 PM
06-27-2013 08:23 PM
Do you have any cards you can get a SP CLI on, like any GE cards? That would give you a higher total amount of credit available which would lower your utilization, which could help you gain a couple of points. Also, with your Cap One, have you had that card for at least 6 months and have you had a CLI in the past 6 months? If you have had it at least 6 months and haven't gotten a CLI in the past 6 months, email the EO (do a web search for the email address) and ask for a CLI. Aim high - they will ask you if you will accept less if they can't accept the full amount. It will be a SP. I went from $1500 to $5000 to $7000 going this route. You may even want to call Discover as they will sometimes do a CLI on a SP but make sure you stop if they say it will be a HP.