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Hi, what is your utilization on your cards? Also what baddies do you have?
@blackedoutdodge wrote:
utilization is about 10% and I have 2 charged off 2 collections to break it down Verizon 300Wachovia 450First Premier Bank 350 and Anytime Fitness 300 all are in open dispute with TransUnion
Those two charge off collection is probably what is hurting you the most. Are they paid or unpaid collections? I would try to address the collections to see if you can GW or pfd them off your credit report.
Your AAoA with 16 cards and credit history of 11 months is less than a month. That and the charge offs. The only thing I see that can help you is gardening your current cards and let your TLs and inquiries age at least a year. Credit is a journey not a race. Right now you look desperate for credit to the card companys and they don't want to go down with the ship.
@coldnmn wrote:Your AAoA with 16 cards and credit history of 11 months is less than a month.
How are you getting to that? If he opened them all 11 months ago, his average age is 11 months. If he opened two 11 months ago and the rest two months ago, then his average age is 3.25 months. Depending on his exact history, it might be short, but unless he got most of the cards like today, it's longer than a month.