In order to get the Zync card I decided to do some due dilligence. I originally signed up with Amex back in 2006 with a Bus Plat card which closed in 2010. I decided to check the online account and to my surprise I was still able to login, but of course it showd the card was closed. I decided to call them up to see if there was a balance so I can pay it off and to my surprise I was told there was a $0 balance. She even went as far as to ask if I wanted to apply for another card, but me knowing what my score was I declined until I could get my score up.
No need to waste a HP right?
Needless to say I was estatic.
I know, I know, YMMV but I am itching to pull the trigger on this card, so I am putting this info out there for some advice on what I could do to grab some more points.
Here is my current status
I pulled these scores from Equifax monitoring today: EQ/698, TU/698, EX/694.
Mortgage 60 day late 3 times - 12/10, 1/11, & 2/11 and 30 day late 3/11, 4/11, 5/11, 6/11 then 8/11 & 9/11. No late payments since.
1 CC $1098 balance w/ 2K limit. No lates
Car loan #1 opened in 2002 PIF 1x late in 2006.
Car loan #2 opened 5/09 never late.
Length of credit history 14 years
This is what I've done so far:
I've been communicating with the mortgage company to remove the negatives but they will not budge. The creditor is Seterus if anyone out there that could give some advice about them I would be greatley appreciated.
Car loan #1: After communicating with the creditor they updated my file from 1 late to 2 (both in 2006). Not only that it was deleted from 2 of the CB!!!
I've paid down my CC from $1900 to $1098.
Any thoughs or suggestions?
Starting Score (08/11/11): TU08: 643
