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Hi...I think I found your list. This was in a post from 11-23 in the FICO scoring forum. I don't know how much of it is still accurate.
No i have these cards and nothing changed on the collection. Nothing change with AAOA except it went up one month to 4 years 3 months and credit history is 16 years
8000 HP Card
10000 Discover 10.99F I think
3000 Sams Club
8000 Sams Club Discover 18.74V
2000 Khols
15000 Capital one 6.9 Fixed Doesent Report Limit
4x AMEX with 10000 Each 11.99-16.99 V
AMEX 12000 17.99
1 Amex Plat charg 20000 a month looking to get Black card
10000 TD BANK 4 Months old but has been on there 4 months
5000 TD BANK 4 Months old but has been there 5 months
4000 TD BANK Over Draft
5000 HP
7000 Dell 28.99APR
2000 JCP
1500 Walmart
5000 Walmart Discover 15.99
7000 HSBC 1500BAL Sister used it to pay her cards off and has been paying 700 a month but usualy I alway PIF 9.99V RJ to14.99V
2000 HSBC 9.99V RJ to 16.99V
2000 HSBC 9.99V RJ to 16.99V
1000 HSBC 9.99V RJ to 16.99V
15000 Juniper 7.99 Fixed
8000 Juniper 7.99 Fixed
15000 Juniper Dont Know APR
14000 Norstrums Limit Doesent Report 10.99V
5000 Citi New card 4 montsh old 14.99V drop .25 Apr a month up to 2 point Apr reduction
2000 Citi 14.99V RJ to 19.99V
7000 800 Matteres
49000 Citi Limit Doesent Report 9.24V RJ to 16.99V like this card i had got a 1.99F for the life of the BT and no fee 3 years ago borrowed the whole amount when HSBC Savings was paying 4.5 and payed it off when the intrest went down with the savings account
19000 Citi Limit Doesent Report 7.99V
25000 Citi 10.49V RJ to 16.99V
7500 Citi 14.99V RJ to 19.99V
22750 ATT CITI 9.24V like this card i had got a 1.99F for the life of the BT and no fee 3 years ago borrowed the whole amount when HSBC Savings was paying 4.5 and payed it off when the intrest went down with the savings account
15000 Boa 14.99V
10000 Boa 14.99V
25000 Boa 9.99 Fexd
1000 Boa 19.99
17000 Boa LOC unsecured 32.99
12700 Bloomingdales
11000 Macys
8000 Macys Visa 19.99V
5000 Macys Funiture
10000 Chase Saphire 12.49V 5Month old
15000 Chase Wamu 9.99F RJ to 16.99V
24000 Chase 16.99V
14000 Chase Limit Doesent Report 17.99V
2000 Chase 19.99V
8000 Best Buy Master Card 9.99V
14000 Best Buy Store
5000 Home Depot Store
7000 Kay
10000 PNC 11.99V 4 Months old but has been on there 4 months
12000 PNC 11.99V 4 Months old but has been on there 4 months
2000 Natulis Card
4000 Neiman Marcus
8000 Town North Bank
6000 Bill ME Later
5000 New Egg
7800 Target Visa
140000 Mortage throught Sun Bank I think 4.24 Fixed is 8 months old was 6.25 Country Wide before I only have this because its supose to rais my score just borroed the money and put it in a bank
300000 Mortgage LOC forget apr but i got for mix of credit
40000 4.99F PNC Auto loan thas has been on my credit report 12Months pay 3 payments a month only got for mix of credit
25000 3.99F PNC Auto loan that has been on my credit 4 months pay 3 payments a month but that has been there 4 months so i dont think that has anything to do with it only got for mix of credit
I had to send in fincials to BOA,Chase and Amex to get the cards but the otheres i got without sending in bank statments plus i let my mom charg about 15000 a moth on my cc and she PIF that is how i was able to gro so fast
Im a card addict i have a busness card holder that is full of them
These are all open accounts i have others that i closed 2 years ago i started 5 years ago with nothing and and a score of 500 and this is ware i am today i went all the way up to voer 800 fico but am 750is now and with the drop i pissed did fico change somthing with scoring as to how mutch credit you have that is the only thing i think that would have done it. I dont want to change anything the only people to rj me was citi from 9.24 to 16.99 with the if you charge 500 we will waive 10 percent of intrest with the new law when wll they not be able to RJ
I am also trying to find a card company that pulls only equifax, I live in Tampa Florida and I am looking to get an open card account I am a 658 equifax.
_________________________
06/01/2009
Equifax (519) Transunion (481) Experian (501)
09/01/2009
Equifax (581) Transunion (509) Experian (543)
12/01/2009
Equifax (611) Transunion (536)
12/31/2009
Equifax (658) Transunion (582)
Vantage Scores - Equifax (693) Transunion (608) Experian (620)
I just wonder...why keep these dogs:
2000 HSBC 9.99V RJ to 16.99V
2000 HSBC 9.99V RJ to 16.99V
1000 HSBC 9.99V RJ to 16.99V
Also...it was very nice of you to let your sis combine her cards into one payment. But I see you gave her the HSBC with the (ultimately) high rate, instead of offering up the 15k juniper at 7.99 <---not doggin' ya...just got a chuckle. Thought I'd mention that...as it reminds me of my own situation.
2 yrs ago my brother found a car for me & used his cc & purchased outright & I pay him off....almost done. BUT, he never reads the literature they send him & he used that same card for a set of break pads....BAM...now MY car pmts had a 29.9% rate!!!! (the note said that any NEW purchases would send the rate to the new level) Otherwise, it would stay at 12.9.
He has called 2x in the last 6 mos & the rate is down to 17.9 right now. *sigh* Good thing I'm almost done!
Inquiries are the least problematic and IMO are over emphasized on this board.
Regardless of who they pulled, the NEW ACCOUNT and BALANCES will most likely be reported to all 3 CBR's. Therefore, while you have no EQ inq's (dare I ask if you disputed EQ inq's to get the zero inq's?), you need to look at how many new accounts and your AAoA before considering moving forward, otherwise you may suffer AA in the form of: CLD, closure, slower or no CLI on existing accounts due to "too many new accounts" or "too much available credit"
Anyway, look at the whole picture, not just inq's.
IMO
Happy New Year!