Re: Only 1 active card

SPreb · ‎09-07-2013

@klondike wrote:
I submitted a CLI for my NFCU rewards card and they bumped it to 10k over night

I also paid the card down to 500, so my util is now 5%. 3 of my collections will be submitted by the agency next Friday.

Very nice bump! Congrats! Keep using the card while keeping util low. Your scores will gradually take a turn for the better.

Starting Score: 620 Current Score: 709 Goal Score: 720
Gardening from 9/28/2013. Target: March 2014

GlocksAndCredit · ‎09-07-2013

Yes! Just pay your card down to 3-5%, before the Statement cuts, and then pay the rest off. You'll be golden.

CSP $9500, CapitalOne VentureOne Sig Visa $8000 Chase Freedom Sig Visa $5000, Citi ThankYou Preferred Sig Visa $5000, Amazon Store Card $5000, Discover IT $4800, CapitalOne Quick Silver MasterCard $4000, Fidelity AMEX $4000, Sallie Mae Mastercard $3300, Hilton Honors Sig Visa $3300, Citi Double Cash $2700, SunTrust Cash Rewards $2500, Citi Simplicity Visa $2300, AMEX BCE $2000, AMEX Everyday $2000, AMEX Delta SkyMiles $2000, Amazon Reward Visa $1800, BP VIsa $1800, Barclays Apple Visa $1700, Suncoast FCU $1000, Target REDCard $900

Current Scores: EQ 727 (Fico), EX 735 (Fico) **In the Garden unti....forever.

klondike · ‎09-07-2013

Where is AAoA listed on the reports?

I got a copy of the report the lender pulled for me. I have 4 inquirys in the last year.

Starting FICO EQ Score: 597
Current FICO EQ Score: 664
Goal FICO EQ Score: 750

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takeshi74 · ‎09-07-2013

@klondike wrote:
My current median score is 585 and I thought it was 631 based on the fakos from transunion. I am working on cleaning up my score so I can get the VA mortgage in the spring.

I currently have just my NFCU rewards card with a CL of 2,000.00 and a balance of 800. Would it help to open up another card to use for gas and small purchases?

Probably a bit late in the game to be opening up new lines of credit with the spring timeframe.

Only 1 active card

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