No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Duncan haven't you put a ton of work into polishing up your reports? It sucks. I would much rather have a thin file, you can build that up pretty quick.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
Thin file definately...
coming from someone with a thick file (47 TLs) 5.8 yrs AAoA
@Jutz wrote:Duncan haven't you put a ton of work into polishing up your reports? It sucks. I would much rather have a thin file, you can build that up pretty quick.
Yup. Ive put a ton of work into cleaning up file. But in a couple years I'll be in really good shape which is about the same amount of time it would take someone to build up a thin file. Just wanted to know what yall thought as I see different results for people on this board when they app for cards.
@Duncanrr wrote:
@Jutz wrote:Duncan haven't you put a ton of work into polishing up your reports? It sucks. I would much rather have a thin file, you can build that up pretty quick.
Yup. Ive put a ton of work into cleaning up file. But in a couple years I'll be in really good shape which is about the same amount of time it would take someone to build up a thin file. Just wanted to know what yall thought as I see different results for people on this board when they app for cards.
I take comfort in knowing that, if we stay on our current course, eventually we'll have thick, clean files.
My current AAoA: EQ, 6 yrs 11 months; TU 8 yrs; EX 8 yrs.
Oldest Account Age: 25.5 yrs
Thin and clean for me!
@Duncanrr wrote:
Ill go with thick and sick (with baddies). I like a challenge.
I want thick (multiple tradelines) , long (Average Age of Accounts), and clean (no baddies, low inquiries).
I've already had enough "challenges" to last me a lifetime!
@webhopper wrote:
@Duncanrr wrote:
Ill go with thick and sick (with baddies). I like a challenge.I want thick (multiple tradelines) , long (Average Age of Accounts), and clean (no baddies, low inquiries).
I've already had enough "challenges" to last me a lifetime!
+1000
Thin. Baddies are bad. haha.
Thin and clean for sure!
Thin file....much easier to fix than baddies