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@09Lexie wrote:
The recent lates + CA + high util are all concerns for a lender. Once the CA ages off, you'll only be dealing with lates. I'd work on getting those lates deleted
. If you have valid recons, write GW letters. In the meantime, don't app and let your AAOA age.
I agree! my limits are low($500 TRV is the highest), so this greatly affects my util. The lates are due to my CU adding CPI insurance to my truck loan at one point. which instantly made the acct "look" 30 days behind and DID report that way to my CR. I think I may have a valid arguement there?!?! I have not been "late" since then, nor prior to that. I will try a GW letter. Might as well, what's the harm in trying. Now, to try to find the time to write one(I'm always posting on here)! No apps in my near future(1.5 years min.). I was recently approved for the quicksilver(dont even have the card yet or know my limit) so im done apping. AS ALWAYS ,THANKS LEXIE!!!
thanks to all you guys too!!!
AUBURN
@trying_to_B_good wrote:
@09Lexie wrote:
The recent lates + CA + high util are all concerns for a lender. Once the CA ages off, you'll only be dealing with lates. I'd work on getting those lates deleted
. If you have valid recons, write GW letters. In the meantime, don't app and let your AAOA age.I agree! my limits are low($500 TRV is the highest), so this greatly affects my util. The lates are due to my CU adding CPI insurance to my truck loan at one point. which instantly made the acct "look" 30 days behind and DID report that way to my CR. I think I may have a valid arguement there?!?! I have not been "late" since then, nor prior to that. I will try a GW letter. Might as well, what's the harm in trying. Now, to try to find the time to write one(I'm always posting on here)! No apps in my near future(1.5 years min.). I was recently approved for the quicksilver(dont even have the card yet or know my limit) so im done apping. AS ALWAYS ,THANKS LEXIE!!!
thanks to all you guys too!!!
AUBURN
I think you have a really valid argument there to get the late removed. You need to get your util percent to like 0 on everything you can. That is what you should focus on imho. You have low limit cards so one strategy people use with those is to max them then pay in full before the statement date. This way it looks like you have plenty of money to pay but need higher limits so your cards will come into line with your spending. Good luck...