rootpooty wrote:In order for us to help you out we need more info. What are your FICO scores? Whats your AAOA? What derogs are listed on your reports? How many inquiries are on your reports from the last year?
Watch out for just making a min payment for so long on one account and opening other accounts as well. It signals trouble and a creditor may shut you down
I agree, try PIF with GE for the next 4 months and they may start giving you CLI's.
squirrely2005 wrote:I'm not sure of my Fico. My FAKO on creditkarma is a 634 which i know doesnt mean much. I got a letter from NFCU when I applied and they told me that my score was 630 which has probably gone up after adding 5k to my credit. The only derogs are those two lates that are just over 2 years old and creditkarma says I have 12 inquires. My AAoA is around 1.5 years.
I wanna buy my fico score but I'm not sure if I will yet.
They only reason I'm making minimum payments is because it's interest free until june '13 so I'm trying to pay everything down that has interest first. But from what I've read it's good to pay down your smallest balance first. Get that momentum going. I've got it going though. For the whole month of August I'm paying about 2k off.
credit karma is a fako of tu. they are the slowest to report. i beleive there was a 30 point difference between fico and that report. but ymmv
what your referring to is the pyramid scheme.
where you pay off your smallest balance.(minumum+10%) (still pay minumum on others)
then add that to your next smallest balance and so forth.
eventually creating the snow ball effect.
android01 wrote:Stop asking for CLI's and don't apply for anything for at least a year. You need to get your FICO scores, first of all, and then you need to chill with any applications to get your scores up. Otherwise it's a never ending circle of crappy CL's and APR's. Avoid this if at all possible because it's not easy to get out of.
I notice this too. People with low FICO scores are always chasing "just one more" and stay stuck in the cycle of having toy cards with low limits. And to justify this they say I'll just get another card with a high CL and better APR, but they can't because of their score so they remain the the cycle of FICO poverty.
$5,000 
$2,400 
squirrely2005 wrote:I'm not sure of my Fico. My FAKO on creditkarma is a 634 which i know doesnt mean much. I got a letter from NFCU when I applied and they told me that my score was 630 which has probably gone up after adding 5k to my credit. The only derogs are those two lates that are just over 2 years old and creditkarma says I have 12 inquires. My AAoA is around 1.5 years.
I wanna buy my fico score but I'm not sure if I will yet.
They only reason I'm making minimum payments is because it's interest free until june '13 so I'm trying to pay everything down that has interest first. But from what I've read it's good to pay down your smallest balance first. Get that momentum going. I've got it going though. For the whole month of August I'm paying about 2k off.
I would buy your fico scores so you know exactly where you stand. Could you attempt to goodwill those lates? That is what I would focus on. I would let that nice limit from NFCU age for at least 6-12 months with a good payment record so a prime lender might look at that and match or exceed that limit. I would not app for anything right now.
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