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Would u rather thin file or baddies?

Valued Contributor

Re: Would u rather thin file or baddies?

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.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
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
Message 11 of 25
Moderator Emeritus

Re: Would u rather thin file or baddies?

Thin file definately...  

 

coming from someone with a thick file (47 TLs) 5.8 yrs AAoA


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Message 12 of 25
Valued Contributor

Re: Would u rather thin file or baddies?


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.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 13 of 25
Moderator Emeritus

Re: Would u rather thin file or baddies?


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. Smiley Happy

 

My current AAoA: EQ, 6 yrs 11 months; TU 8 yrs; EX 8 yrs.

Oldest Account Age: 25.5 yrs

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 14 of 25
Moderator Emeritus

Re: Would u rather thin file or baddies?

Thin and clean for me!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 15 of 25
Valued Contributor

Re: Would u rather thin file or baddies?

Ill go with thick and sick (with baddies). I like a challenge.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 16 of 25
Moderator Emeritus

Re: Would u rather thin file or baddies?


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!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 17 of 25
Moderator Emeritus

Re: Would u rather thin file or baddies?


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

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 18 of 25
Established Contributor

Re: Would u rather thin file or baddies?

Thin.  Baddies are bad.  haha.

 

Thin and clean for sure!

Message 19 of 25
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Valued Contributor

Re: Would u rather thin file or baddies?

Thin file....much easier to fix than baddies

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


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Message 20 of 25