Thin file definately...
coming from someone with a thick file (47 TLs) 5.8 yrs AAoA
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
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
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
Thin and clean for me!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
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
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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