@Colombianking wrote:
Credit Cards Date Opened Credit Line Increase balance Credit Limit Utilization Amex Jetblue 1/16/2013 11/18/2015 2033.35 12600 16.14% Chase United Mileage Plus 8/30/2006 2/17/2015 3090.53 4800 64.39% Chase Flexible Rewards 6/26/2000 11/18/2014 175.23 4800 3.65% Citi Simplicity Aug-14 4/10/2015 3017.97 5000 60.36% Citi Diamond Preferred 4/9/2015 0 5600 0.00% Discover It 8/11/2014 3/1/2015 3018.8 3300 91.48% Overall 11335.88 36100 31.40%
Date of Inquiry Activity Viewable Until 3/27/2015 TransUnion Address 05/25/2016 3/17/2015 Experian Address 05/16/2016 2/18/2015 Experian Inquiries 04/19/2016 1/17/2015 Experian Inquiries 03/18/2016 1/6/2015 Equifax Inquiries 03/06/2016 12/31/2014 TransUnion Inquiries 02/29/2016 12/19/2014 TransUnion New Accounts 02/17/2016 12/11/2014 Equifax Changed Accounts 02/09/2016 12/3/2014 Equifax Address 02/01/2016 12/2/2014 Experian Address 02/01/2016 11/19/2014 TransUnion Inquiries 01/18/2016 9/26/2014 Equifax New Accounts 11/25/2015 9/24/2014 Experian New Accounts 11/24/2015 9/19/2014 TransUnion New Accounts 11/18/2015 9/15/2014 Equifax New Accounts 11/14/2015 9/13/2014 Experian New Accounts 11/13/2015 9/12/2014 Equifax Changed Accounts 11/11/2015 9/1/2014 TransUnion Address 10/31/2015 8/30/2014 Equifax Inquiries 10/29/2015 8/29/2014 Experian Inquiries 10/29/2015 8/20/2014 Experian Changed Accounts 10/20/2015 8/19/2014 Experian Address 10/19/2015 8/12/2014 Equifax Inquiries 10/11/2015 7/21/2014 Equifax Inquiries 09/19/2015 4/15/2014 Equifax Inquiries 06/14/2015 4/15/2014 TransUnion Inquiries 06/14/2015 4/14/2014 Experian Inquiries 06/14/2015
CRA Score Equifax 735 Experian 761 Tran Union 712
You definitely need to get the credit card balances down, so that at the time each card reports to the credit bureaus all cards report $0 balance except one card that reports a small balance. Looks like that will have to be a longer term goal. You can read about that strategy here: http://ficoforums.myfico.com/t5/General-Credit-Topics/How-do-I-play-the-1-9-Utilization-Game-Please-...
Why does your American Express card list a CLI in the future? Is that a typo?
You might want to target some cards in the future that give free FICO scores, such as your Discover It card.
You're carrying what for me would be a large balance. And you stated interest in obtaining a lot more credit. Is this for a business you are running?
Obviously, carrying balances on your rewards cards is probably rather costly. So, are you mainly looking for short term 0% intro APR ofers, or something like the Coastal24.com Big Ticket Card that gives 6 months 0% on all purchases that are $600 or larger, or low APR cards (Apple FCU as low as 5.74% APR, University FCU as low as 5.90% APR) ?
You might have success with NASA FCU. Some say that boat has sailed, but some people are still having success. You would want to join NASA FCU first,and apply for a card such as their Platinum Cash Rewards afterwards.
