@Anonymous wrote:
@JAmajzan wrote:Nixon, I think she can do it. I agree she does need to close those cards she doesnt use. I dont like comenity so I guess Im bias towards them.
There will be a wall that gets hit. Without current installment loan info, I really am leaning on ~680 being the invisible ceiling for a while.
oh..well, why didnt you mention this sooner??
Car loan with Navy (almost a yr old, have 3 yrs left to pay.
2 Federal student loans one bigger one smaller, since 2005, all paid as agreed
so 3 installment loans currently reporting
@pizza1 wrote:
@NRB525 wrote:
@Anonymous wrote:
@JAmajzan wrote:Well I like to aim high. I figured, inquiry;shouldnt be holder her down, she would have good use on the account, age on the accounts, so the only thing that should be holding down her score should be the derogs from the bk and the bk right?
Inquiries stop making a difference after a while and or certain number.
What is holding down scores currently is indeed the derogs, but also amount of new accounts opened.
Like I said. I think 670-680 is a realistic goal.
Yes, have to agree. Those derogatories are going to be the wet blanket for a long time.
The reality of the situation is, OP has plenty of credit, including good bonus cards to play with. At this time, the only thing to do is use the cards and PIF to create month after month of good payment history. Even the 1% utilization thing is pointless, really. Since there are no other apps to do, that is the only action that really matters: Pay on time every month.
Closing the store cards should be handled as a paced thing. Like skeet shooting. Every two months "Pull!!"... bam... down goes a store card.
appreciate that
I think you will still be below 700 in two years.
