Just Joined have question

Anonymous · ‎08-06-2012

Recently Joined,

Applied for the following:

Home Loan-Approved

Dicover More-Approved 10k

Amex Blue-Approved no amount yet

Apple Barclay-Approved 2.6k

Penfed Reward-Denied

Chase Freedom-Denied

TU-711 EX-677 EQ-680

Currently in my wallet-Capitol One Platinum 1.2k

Current credit to debt ratio-2%

My goal is to get all scores over 720 where do I go from here?

Anonymous · ‎08-06-2012

Wow thats great.. How long history you had?

p- · ‎08-06-2012

@Anonymous wrote:
...My goal is to get all scores over 720 where do I go from here?

Depends on what else is on your report. What's keping you down now? Are there negative accounts, or missed payments? Work on finding ways to turn them into good accounts or eliminate them, i.e. GW letters, PFD, diputing inaccuracies, etc.

Don't app for anything else, keep util low, and build history. If your credit file is young, see about an AU card on someone else's older file if you can.

To get above 720, show a long history of responsible credit use, by reliably paying on time, all the time.

YahComb · ‎08-06-2012

My goal is to get all scores over 720 where do I go from here?

pretty much just use your cards, don't app for a long time, pay on time every month, and don't let the balances on your cards get too high. Payment history and debt ratio together are about 2/3 of your credit score.

gettnthere · ‎08-06-2012

WOW that is a great starting credit limit with DISCOVER. Congrats! What was your highest credit limit before these cards?

Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12

webhopper · ‎08-06-2012

Congrats... very nice starting CL with Discover... Nicely done!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!

Anonymous · ‎08-10-2012

Highest CL before capitol 1 platinum $1250

AAOA-4.3 years

Negatives-1 CO alot of old lates that I believe will drop off either 2013 or 2014

AMEX BlueE got a 2k CL

Close on house 08/14

Anonymous · ‎08-10-2012

Im thinking of apping for a good MC.

Which is good with CLI's and good for a long term?

Im stuck with my CapOne card as its my oldest account atm but I want a long term MC

Perferably that pulls TU

Also with the Apple Barclay I got it to accually use it to purchase a mac. If I use it to purchase my mac will it crush my score since it will put the card at almost max?

Card Limit -2600

27inch Imac -2300

Cellice · ‎08-10-2012

@Anonymous wrote:
Im thinking of apping for a good MC.
Which is good with CLI's and good for a long term?
Im stuck with my CapOne card as its my oldest account atm but I want a long term MC
Perferably that pulls TU

Also with the Apple Barclay I got it to accually use it to purchase a mac. If I use it to purchase my mac will it crush my score since it will put the card at almost max?
Card Limit -2600
27inch Imac -2300

Are you planning on getting a loan soon? If not do not worry about what using your credit does to your score right now. Make your purchase and pay it off. Just make sure your utilization is low etc when it comes time to apply for a loan. A high score does nothing for you when you are not seeking credit.