You will be fine just stop applying for 1 year... then try to get a better card. Gotta stop apping though!
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
+1 @webhopper. Also work on getting the baddies off!
Good luck!
Good luck!
@tdrjustus3 wrote:Hey I am not an expert like some others and hopefully they will chime in but whats the utilization on the cards you have?
0 on the US , 0 on FP and 25 on AFCU
my util is very low because im not much a credit user i just utilize my cash what i dont have i dont buy simple as that only reason im doing this credit thing is because i recently just purchased a car and have a 16% interest rate and in my eyes that no bueno...
@shaun2009 wrote:also FICO is evil why tell a person that INQs are less than 10% if your going to ding them for it... 10% is not a very lot to lose if you think about it thats what ultimately made start apping..
The problem with inquiries is that even though it represents only 10% of your FICO score, credit card issuers look at inquiries as a totally separate entity. Your score can be >720, and if you have many inquiries, you can still be denied by inquiry sensitive lenders.
@indiolatino61 wrote:
@shaun2009 wrote:also FICO is evil why tell a person that INQs are less than 10% if your going to ding them for it... 10% is not a very lot to lose if you think about it thats what ultimately made start apping..
The problem with inquiries is that even though it represents only 10% of your FICO score, credit card issuers look at inquiries as a totally separate entity. Your score can be >720, and if you have many inquiries, you can still be denied by inquiry sensitive lenders.
Ah ok will do thanks for the advice any other pointers and tips for me since im about to have only one baddie on my report hopefully that one gets gone also doing a DV right now because i know its not mine but it just keeps coming back verified when i dispute with the CRAs....