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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?
Wow thats great.. How long history you had?
@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.
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.
Congrats... very nice starting CL with Discover... Nicely done!
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
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
@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.