Starting Score: Aug 2012: TU 747, EX: 664, EQ: 649
Alright, it's time for me to do some gardening. I went app happy, and it was a great spree, but definitely time to stop. Need to age the new items, and enjoy the growth that I saw recently with the older ones, and prune a bunch of those store cards. Won't be apping for a loooooooong time! Or at least I hope I'm not tempted to.
The garden is great ! What we learn here can be used to help others as well. Just today I was talking to my friend who is going to try and finance a bike in december.. We chatted about scores history and cards and so on I came to the point that b4 the app he should work on getting his limits up. We called WellsFargo on the spot and asked for a SP CLI, the rep called it a "internal" look at accounts and payment history he was not approved for the 800 he wanted but a CLI of 500. We did not even try With his other card Capone. So hes got a capone 1000 and wells cash back 1700 walmart 700 3 inqs in the last 6 months 4 inqs in the last 2 years. He is going to call Wellsfargo after be pays blance off of 900 next month and ask for another "internal" CLI.
wallmart puts his TU at 671
After just several days of reading all these goodies on these forums, i'm hooked bad. Your tidbits of information has given me a clearer idea in handling my credit situation. This forum has uplifted my years of frustration into enlightment.
Basically, i'm under Gold Status while a month away from Platinum Status. Just last month, my last HP inquiry (Mortgage Pre-Qual) fell off my credit report.
To avoid a HP on my credit report:
*Will request a product change on my BofA Cash Rewards Visa Signature. Thats 5k added to my credit limit.
Q: Any BofA Credit Cards which report Credit Limits with similar perks as the Cash Rewards Visa Card?
Otherwise, I'm getting my green thumb on and gonna let my AAoA (Currently at 5yrs) Grow!!!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
