07-23-2013 11:03 AM
Thanks everyone for your input.
I should have clarified. I do not need to do any of those (car, mortgage) in at least the next 12 months. However, I would like to take actions to raise my score if I can. So that is why I wanted to see if spending that 'day' applying would be helpful as the history of hard pulls would be gone prior to my next car etc... I can continue to pay it down as I am currently doing but in all reality I do not see a significant impact to the available credit for a few years.
07-23-2013 11:14 AM
I vote for CLIs and/or opening another Navy cc.
Lowering your overall UTL will raise score. Wether you do this through new cards or a loan is personal choice.
07-23-2013 11:55 AM
Does anyone know if there is a way to actually speak to someone who can say, 'Well this guy was an idiot who only closed his old accounts. He accidentally made it seem like he over extended. Since I have the authority I can waive his current rating and ....'
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.