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Congratulations!! You are inspiring.
Paying on time and keepinh UTL in the 6%-7% range, and not applying for any more cards.....
Well,
I got the credti report from the lender and here are the details. Excuse the typos from copy the PDF that was emailed to me.
EQUIFMFPCTABEPCON 5.0 - SCORE: 786
00030 - TlrvE SINCE r-IOST RECENT ..ACCOUNT OPENING IS TOO SHORT
00011 -Mv'OUNTOJ\ED ON RE\QL\/1NGPCCOUNTS IS TOO HIGH
00014 - LENGTH OF TlrvEPCCOUNTS HA\/E BEEN EST..ABLISHED
00008 - TOO rv1ANY INQUIRIES LAST 12 rv'ONTHS
TRPNSUNION/FICO CLASSIC (04) - SCORE: 763
028 - NUrv13ER OF EST..ABLISHED ..ACCOUNTS
030 - TlrvE SINCE r-IOST RECENT ..ACCOUNT OPENING IS TOO SHORT
011 -Mv'OUNTOJ\ED ON RE\QL\/1NGPCCOUNTS IS TOO HIGH
012 - LENGTH OF TlrvE RE\QL\/1NGPCCOUNTS HA\/E BEEN EST..ABLISHED
EXPERIPN/FAIR, IS.A.AC (\/ER 2) - SCORE: 767
10 - PROPORTION OF BPLPNCE TO HIGH CREDIT ON BPNK RE\QL\/1NG OR.ALL RE\QL\/1NGPCCOUNTS
14 - LENGTH OF TlrvE ..ACCOUNTS HA\/E BEEN EST..ABLISHED
09 - TOO rv1ANY ..ACCOUNTS RECENTLY OPENED
08 - TOO rv1ANY INQUIRIES LAST 12 rv'ONTHS
@Bayareajoe, wowww at your total credit line.
Nice
so in comparison I just need to wait till my average age of accounts averages out haha