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New Member
geo6933
Posts: 3
Registered: ‎07-25-2012
0

Just Joined have question

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?

 

TU-711 EQ-697 EX-686
Discover More-10k | Barclay Visa 2.6k | Amex Blue 2k | CapOne Plat 1.2k | Sams Club\Walmart 4400
Contributor
wealthcreator
Posts: 211
Registered: ‎07-02-2012
0

Re: Just Joined have question

Wow thats great.. How long history you had?

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Valued Contributor
p-
Posts: 2,634
Registered: ‎06-05-2008
0

Re: Just Joined have question


geo6933 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.

  8-12-14: FICO EXP: 797 - EQU: 734 - TRAN: 739 - AVG: 757 - +207 points from JUN 2008 - MY CREDIT JOURNAL

Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

Re: Just Joined have question


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.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Just Joined have question

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 :smileywink:
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Just Joined have question

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


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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New Member
geo6933
Posts: 3
Registered: ‎07-25-2012
0

Re: Just Joined have question

[ Edited ]

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

TU-711 EQ-697 EX-686
Discover More-10k | Barclay Visa 2.6k | Amex Blue 2k | CapOne Plat 1.2k | Sams Club\Walmart 4400
New Member
geo6933
Posts: 3
Registered: ‎07-25-2012
0

Re: Just Joined have question

[ Edited ]

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

TU-711 EQ-697 EX-686
Discover More-10k | Barclay Visa 2.6k | Amex Blue 2k | CapOne Plat 1.2k | Sams Club\Walmart 4400
New Contributor
Cellice
Posts: 148
Registered: ‎07-04-2012
0

Re: Just Joined have question


geo6933 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.


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