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AvaMommy · ‎08-08-2012

Looking for any advice anyone can offer! Make good money but feel on rough times. Have 8 accts (occured 1-2.5 years ago but trying to have them removed) that are paid in full charge offs; however, all my other accts are reflected as current...no lates...paid on time. Have an orchard acct with $320 limit (use every month PIF), Saks credit card $100 limit (work there part-time for the discounts), husband jared's account as a co-applicant (balance $1163) and recently was approved for a BoA CL of $3000. Should I apply for anymore credit? I would like to apply for a AMEX Costco...but if anyone have any other cards suggetions I am interested. Thanks

EX 565

EQ 550

TU 602

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013

jsucool76 · ‎08-08-2012

Are these scores FICO or FAKO?

p- · ‎08-08-2012

I think your best efforts are removal of the bad accounts. Keep working the PFD and GW process... and Good Luck.

AvaMommy · ‎08-08-2012

Those are my FAKO

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013

CK_Charles_Lover · ‎08-08-2012

+1 don't go backwards by applying to early keep moving forward. Your not ready for Amex yet.

TRUST me, the best thing you can do for your credit now is READ, READ, READ this forum and your score will sky rocket in the next year to two.

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)

AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)

AvaMommy · ‎08-10-2012

Any adive on how I should use the BoA credit card in order to help boost my CLI in the future and how it is reported? Thanks!!!

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013