My Line up

[dfitzg]

TransUnion - 630

Equifax - 634

Experian -614

Current cards and limits

Capital One Visa - 500 (750 increase next month)

Capital One MC - 500

Chase Visa - 400

Household Bank MC - 500

Target Store Card - 500

I'm 7 months into the begining of my credit report. roughly 7 - 9 INQ's on each report

Any Comments / Suggestions ??????

Message Edited by dfitzg on 06-16-2008 10:03 AM

Message Edited by dfitzg on 06-16-2008 10:04 AM

[Creditaddict]

let some of these cards age some more.

[Anonymous]

Keep your balances low, PIF and always pay on time!!!!! Also, periodicly ask for CLI's and rate reductions!

[Anonymous]

Definitely let the cards age and build history.  Also keep your reported balances LOW, preferably less than 10% of the credit line.  ALWAYS pay on time.

Message Edited by lurknomore on 06-16-2008 09:55 AM

[dfitzg]

aging is my current plan need to pay my balances down on the capital one cards (school expenses)

but thanks and continue with the feedback 

[creditreformer]

forgot to add- ALWAYS pay more than the minimum.  seems so obvious, but it's not something people always do.

also, when paying balances down, figure out how you're going to do it...some people like to spread an equal amount among all ccs whereas others like to push most of the $ onto the cc w/the highest APR, etc.

[dfitzg]

Yea im goin to pay off my highest balance first. then work my way down the list