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Finishing up my portfolio

Moderator Emeritus

Finishing up my portfolio

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.
Message 1 of 38
37 REPLIES
Super Contributor

Re: Finishing up my portfolio



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
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 2 of 38
Contributor

Re: Finishing up my portfolio

You know the amex green charges 95 / year AF right?
Message 3 of 38
Moderator Emeritus

Re: Finishing up my portfolio

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!!!!!!!!!!!
Message 4 of 38
Moderator Emeritus

Re: Finishing up my portfolio

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.



fail2deliver wrote:
You know the amex green charges 95 / year AF right?


Message 5 of 38
Moderator Emeritus

Re: Finishing up my portfolio

Is a Discover card in your future?
Message 6 of 38
Moderator Emeritus

Re: Finishing up my portfolio

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



fused wrote:
Is a Discover card in your future?



Message 7 of 38
Moderator Emeritus

Re: Finishing up my portfolio



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



fused wrote:
Is a Discover card in your future?




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.
Message 8 of 38
Moderator Emeritus

Re: Finishing up my portfolio

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.




fused wrote:







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






fused wrote:

Is a Discover card in your future?






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.



Message 9 of 38
Moderator Emerita

Re: Finishing up my portfolio


Timothy wrote:
My EX went to 710 this AM.


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

Hope AmEx figures out that they've got a quality cardholder in you.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 10 of 38