I started coming on to the my fico community in June of 2011. At that time my scores where in the 730-750 range. I really had no idea at the time that it was overdue for me to start changing my credit profile and I honestly had not idea where to start. I had tried to app many years before I came here and just grew sick of denials so I stuck with cards that were killing me with monthly and yearly fees. People on these boards helped me tremendously. I decided to go back to one of my earlier posts on my credit card line up (12/23/2011). Look at what i had at that time! I still don't have the profile I want but it has surely come a long way. That is thanks to this forum and the advice I was given...I am so grateful I came here!
Amex Blue Cash Preferred C/L: $8100 (had just apped and received this one at that time after advice on the forum)
Citi - C/L: $9600 limit
Chase Freedom - C/L:$3000
Target Visa- C/L: $1500.00
Care Credit - C/L:$5400 (closed shortly after 12/23/2011)
First Premier - C/L: $1100 (was my oldest account at that time - closed shortly after 12/23/2011..was paying 7 dollars monthly and a $59 yearly fee)
HHB MC- C/L: $800 (closed shortly after 12/23/2011 - Cap 1 took them over - was paying a $50 yearly fee)
HHB Premier Visa C/L:$400 (closed shortly after 12/23/2011 - was paying a $50.00 yearly fee)
Applied Bank - C/L: $2200.00 (closed shortly after 12/23/2011 - was paying an $80 yearly fee and nearly 25% interest)
My line up now:
Amex Blue Cash Preferred C/L: $15000
Citi - C/L: $12500
Barclay Rewards World MC - C/L: $10900
Walmart MC - C/L: $7500
Amex Everyday - C/L: $5000.00
Chase Freedom - C/L: $4500.00
Target Visa - C/L:$1500 (now my oldest account...mostly sockdrawered)
