Reply
Frequent Contributor
Kiwill
Posts: 328
Registered: ‎09-01-2009
0

Re: I need help, I can't win :(

[ Edited ]

Yes, you're right BungalowMo, I meant limits not balances:smileyvery-happy:.  I have been on some websites to see if I qualify for their cards and the ones I want ask if you have 1 credit card with at least a $10,000 limit.  My scores are attached to my siggy.  My util is still pretty high, 50-40 percent and I still have 2 old derogs due to fall off later this year.  No primecards with high limits for me right now, though I am anticipating joining the 700 club by June by cutting my current util in half and the additional 6 mos aging from my previous score last month.  I'm going to leave this alone, I don't want to hijack this thread.

 

txjohn, that is an excellent clarification. 

Message Edited by Kiwill on 02-02-2010 12:29 PM

Starting Score: EQ 729, TU 752, EX ? (1/1/2011)
Current Score: EQ 696, TU 718, EX 686 - PSECU (5/17/2011)
Goal Score: ALL 800+ by December 31, 2011

Take the FICO Fitness Challenge
PROUD MEMBER OF THE 700 CLUB!
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008
0

Re: I need help, I can't win :(

Wait till the derogs fall off, if that happens this year.  And work on paying your utilizations down during the wait time.  You want to get under 35%, which is a significant threshhold, generally speaking.  Lower is better....but at your levels, that would help alot.

 

If you can qualify for membership with NFCU....that is your ticket to instantly higher CL's than what you have ever had.

 

:smileyhappy:

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Frequent Contributor
Kiwill
Posts: 328
Registered: ‎09-01-2009
0

Re: I need help, I can't win :(

Yes..yes, that is my plan.  When the derogs fall this fall, my util will be no more than 15% AND I became a NFCU member last month, YAY!!!

Starting Score: EQ 729, TU 752, EX ? (1/1/2011)
Current Score: EQ 696, TU 718, EX 686 - PSECU (5/17/2011)
Goal Score: ALL 800+ by December 31, 2011

Take the FICO Fitness Challenge
PROUD MEMBER OF THE 700 CLUB!

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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+