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Would u rather thin file or baddies?

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adavis425
Established Contributor

Re: Would u rather thin file or baddies?

Thin any day!

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Message 21 of 25
navigatethis12
Valued Contributor

Re: Would u rather thin file or baddies?

I do like my "thin file with perfect history", but from threads on here, sometimes it seems that having more history with negatives is better. Many people have a bankruptcy, lates, charge off, or collections, and get high lines. I however, have to speak with an analyst every time to even get the card.

Message 22 of 25
EandK23
Regular Contributor

Re: Would u rather thin file or baddies?

If I could do it over again, I would say thin file. 

 

i have a thick file with 3 baddies due to fall off in 1-3 months. It takes a while and lots of tedious work to get it fixed. 

Message 23 of 25
bluesnowman
Frequent Contributor

Re: Would u rather thin file or baddies?

Thin! My credit right now is decent (not the greatest, but it's not terrible either.) I'm going to do my best to keep any baddies or anything neagtive or derogatory  off my reports. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 24 of 25
wallyworld123
Frequent Contributor

Re: Would u rather thin file or baddies?

Thin is definitely  a win win!

Message 25 of 25
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