Finishing up my portfolio

[Anonymous]

My EX went to 710 this AM.

Called Amex for a CLI asked them to fresh soft pull (they didn't) she gave me the 7 to 10 day.

I was kinda upset so I pulled up the application at my credit union and asked for a 10K Visa- APPROVED
That made me feel better.

Called and wrote HSBC - closed both accounts.

Seems I also put in an app for AMEX green as well-still pending.

So that WAS 230 points in 1 year- I am sure the 2 hards put me back down bellow 700.


This now makes AMEX my LOWEST CL and HIGHEST APR.

[MidnightVoice]

Timothy wrote:

This now makes AMEX my LOWEST CL and HIGHEST APR.

Amex is my lowest CL and nearly highest APR (when it kicks in).  But EX hates me

[Anonymous]

You know the amex green charges 95 / year AF right?

[fused]

Very nice Timothy. I think you hold the record in the forums for the most points gained in the shortest time span...amazing! As for AMEX, I would think they would give you something. How much did you ask for? Now you are 100% prime baby! HUZZAH!!!!!!!!!!!

[Anonymous]

Yep-

Still easier than the 4 payments a month I have to pay them now-

Plus the $30 for an additional card- and it reduces the AF on my Delta.

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@Anonymous wrote:
You know the amex green charges 95 / year AF right?

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[fused]

Is a Discover card in your future?

[Anonymous]

Nope- Not for another year.
I still have 2 60's under 2 years old.

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@fused wrote:

Is a Discover card in your future?

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[fused]

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@Anonymous wrote:
Nope- Not for another year.
I still have 2 60's under 2 years old.

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@fused wrote:

Is a Discover card in your future?

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You have two 60's under two years and still have a 710. My word! If your util is good, I would have to think getting these removed would give you 30 points or more.

[Anonymous]

On EX these are the last 2 of the 4 lates left.

Think I started with 32 !!!!!!!!

I got Capone to remove the 30's but not the 60's.

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@fused wrote:

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@Anonymous wrote:
Nope- Not for another year.
I still have 2 60's under 2 years old.

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@fused wrote:

Is a Discover card in your future?

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You have two 60's under two years and still have a 710. My word! If your util is good, I would have to think getting these removed would give you 30 points or more.

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[haulingthescoreup]

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@Anonymous wrote:
My EX went to 710 this AM.

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You made it--congrats!!! You're definitely the lead dog in the 2007 myFICO forums sled dog race.

Hope AmEx figures out that they've got a quality cardholder in you.