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@MyLoFICO wrote:Got my taxes today and paid them all off except 9% of one of the QuickSilver cards. This is what it looks like now.
Card | Bal | Limit
C1 QS1: $0 / $1750
C1 QS1 #2: $180 / $2000
Barclays Rewards: $0 / $500
WalMart Store Card: $0 / $4000
Amazon Store Card: $0 / $4000
Chevron/Texaco: $0 / $1500
Credit Union Visa: $0 / $500
C1 Spark Classic: $0 / $500
Paypal Smart Connect $0 / $800
Lowes: $0 / $5000
Discount Tire: $0 / $500
Kohls: $0 / $500
Fingerhut: $0 / $400
Target Red Card: $0 / $300
Old navy $0 / $3500
BP Gas Card $0 / $2000
Yes, I know its alot of store cards. I can't get prime cards yet because of my CS. My question is will this make the best of my current situation as I garden for the next 12 months or should I use these cards? Some of them have never been used and about half of them are new.
Wow..!!!!!
Do I see 15 0 balances ....Crazy good
Yep and 8 of them are brand new. i confess I was worried but today my scores have started rebounding and coming up and that is before my payoffs hit. Can't wait to see the end result.
@MyLoFICO wrote:Got my taxes today and paid them all off except 9% of one of the QuickSilver cards. This is what it looks like now.
Card | Bal | Limit
C1 QS1: $0 / $1750
C1 QS1 #2: $180 / $2000
Barclays Rewards: $0 / $500
WalMart Store Card: $0 / $4000
Amazon Store Card: $0 / $4000
Chevron/Texaco: $0 / $1500
Credit Union Visa: $0 / $500
C1 Spark Classic: $0 / $500
Paypal Smart Connect $0 / $800
Lowes: $0 / $5000
Discount Tire: $0 / $500
Kohls: $0 / $500
Fingerhut: $0 / $400
Target Red Card: $0 / $300
Old navy $0 / $3500
BP Gas Card $0 / $2000
Yes, I know its alot of store cards. I can't get prime cards yet because of my CS. My question is will this make the best of my current situation as I garden for the next 12 months or should I use these cards? Some of them have never been used and about half of them are new.
My advice would be (1) use the non-store cards lightly, on an alternating basis, and pay them right off (2) sock drawer the store cards unless you're actually already going to buy something from a particular site for which you have the card or are already planning a trip to their store, in which case you could use one occasionally the same way as the bank cards
My scores have started to change. The payments are starting to hit. My UTIL is down to 12% per my CR's but in reality they are as stated in my OP.
Starting F8 scores from CCT:
EXP: 639
TU: 663
EQFX: 631
Today:
EXP: 653
TU: 694
EQFX: 646
I still have about 4 accounts to drop to 0 and I have a few Inq's dropping off too so I will update when they hit. I also disputed some minor stuff on my CR's.
must be nice. Im going to use my tax return to take a huge chucnk out of my chase freedom lol