@Imperfectfuture wrote:
@pizza1 wrote:OK..Im gardening for 1-2 yrs. I lost some pts on my last 2 month app spree, but not that much because im already in the dirtiest of all buckets known to Fico, lol ( BK). Ive had 20 new accts in the last 3 months, and at least that in inquiries on all three CRA. They were all HP's. NOW... Some of you know my past and current credit situation, if you dont, then you dont really hang out in the forums that much, lol...
** Reminder: This is just a fun game (but I still want your opinion), not a chance for some to take a dig at me, and remind me to stop apping and garden. I know this already
**
With that said, I plan to do the following:
1) garden
2) close 4 store cards within the next yr
3) NO apps for anything, nothing (i.e....mortagae, car, cc, apt, util, phone etcc..) Im set.
4) keep my 1% util reporting
5) ill have 3 CC reach the "2yr" mark, and several cards reach the "1yr" mark, and roughly 8-13 inq drop from all 3 CRA, and several reach the 1yr mark.
So with that being said, these are my current Fico scores , and my prediction of future scores at the 6mo, 1yr, and 2yr mark. Im curious to know what you all think my scores would be given that basic info, (some of you know my profile way better though).
CURRENT 6MO 1YEAR 2YEAR
EQ- 649 655 670 685
TU- 649 655 670 685
EX- 657 663 675 690
What do you guys think?? Is my prediction decent?
With one baddie reporting, EQ tends to max out between 683 and 680. EX will be equal, slightly lower or higher (they report payments differently). TU will be your highest score, but not much over 700, if even reach that. Taken from someone whom did clean up the ole fashioned way, and saw how derogs disappearing affected scores.
Also, as accounts IIB fall off, you AAoA will get shorter, pinging the score down, Just an FYI.
Thanks. I was thinking of a way to explain my prediction, but this pretty much sums it up.
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:OK..Im gardening for 1-2 yrs. I lost some pts on my last 2 month app spree, but not that much because im already in the dirtiest of all buckets known to Fico, lol ( BK). Ive had 20 new accts in the last 3 months, and at least that in inquiries on all three CRA. They were all HP's. NOW... Some of you know my past and current credit situation, if you dont, then you dont really hang out in the forums that much, lol...
** Reminder: This is just a fun game (but I still want your opinion), not a chance for some to take a dig at me, and remind me to stop apping and garden. I know this already
With that said, I plan to do the following:
1) garden
2) close
4ALL store cards within the next yr3) NO apps for anything, nothing (i.e....mortagae, car, cc, apt, util, phone etcc..) Im set.
4) keep my 1% util reporting
5) ill have 3 CC reach the "2yr" mark, and several cards reach the "1yr" mark, and roughly 8-13 inq drop from all 3 CRA, and several reach the 1yr mark.
So with that being said, these are my current Fico scores , and my prediction of future scores at the 6mo, 1yr, and 2yr mark. Im curious to know what you all think my scores would be given that basic info, (some of you know my profile way better though).
CURRENT 6MO 1YEAR 2YEAR
EQ- 649 655 670 685
TU- 649 655 670 685
EX- 657 663 675 690
What do you guys think?? Is my prediction decent?
I'd say.......
Expect your 1yr prediction in two years, be pleasantly surprised if it's your 2 year prediction.
@Anonymous wrote:
@pizza1 wrote:OK..Im gardening for 1-2 yrs. I lost some pts on my last 2 month app spree, but not that much because im already in the dirtiest of all buckets known to Fico, lol ( BK). Ive had 20 new accts in the last 3 months, and at least that in inquiries on all three CRA. They were all HP's. NOW... Some of you know my past and current credit situation, if you dont, then you dont really hang out in the forums that much, lol...
** Reminder: This is just a fun game (but I still want your opinion), not a chance for some to take a dig at me, and remind me to stop apping and garden. I know this already
With that said, I plan to do the following:
1) garden
2) close
4ALL store cards within the next yr3) NO apps for anything, nothing (i.e....mortagae, car, cc, apt, util, phone etcc..) Im set.
4) keep my 1% util reporting
5) ill have 3 CC reach the "2yr" mark, and several cards reach the "1yr" mark, and roughly 8-13 inq drop from all 3 CRA, and several reach the 1yr mark.
So with that being said, these are my current Fico scores , and my prediction of future scores at the 6mo, 1yr, and 2yr mark. Im curious to know what you all think my scores would be given that basic info, (some of you know my profile way better though).
CURRENT 6MO 1YEAR 2YEAR
EQ- 649 655 670 685
TU- 649 655 670 685
EX- 657 663 675 690
What do you guys think?? Is my prediction decent?
I'd say.......
Expect your 1yr prediction in two years, be pleasantly surprised if it's your 2 year prediction.
nixon... Chase rep told mehe wanted to see a lot of history on all those new accts, make sure I can handle all this credit given to me. I plan to weed out the store cards over the years...but not all at once. I have a game plan here (the RC)..lol
I'll settle for closing everything comenity, excluding your Barney's card.
everything comenity??? UGH..I LOVE my cards LOL..jcrew has a limit of $8250, and Im coming due for a CLI soon..dont think I can do that, LOL
Yes.
At the very least everything comenity you don't use at least 2x a month.
that would be all of them honstly
And why they should go. Amex, Chase, etc kinda hold comenity cards against you (even though analyst didn't mention it). If you are not using them, then you don't NEED them. Trust me on this.
@Imperfectfuture wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:OK..Im gardening for 1-2 yrs. I lost some pts on my last 2 month app spree, but not that much because im already in the dirtiest of all buckets known to Fico, lol ( BK). Ive had 20 new accts in the last 3 months, and at least that in inquiries on all three CRA. They were all HP's. NOW... Some of you know my past and current credit situation, if you dont, then you dont really hang out in the forums that much, lol...
** Reminder: This is just a fun game (but I still want your opinion), not a chance for some to take a dig at me, and remind me to stop apping and garden. I know this already
With that said, I plan to do the following:
1) garden
2) close
4ALL store cards within the next yr3) NO apps for anything, nothing (i.e....mortagae, car, cc, apt, util, phone etcc..) Im set.
4) keep my 1% util reporting
5) ill have 3 CC reach the "2yr" mark, and several cards reach the "1yr" mark, and roughly 8-13 inq drop from all 3 CRA, and several reach the 1yr mark.
So with that being said, these are my current Fico scores , and my prediction of future scores at the 6mo, 1yr, and 2yr mark. Im curious to know what you all think my scores would be given that basic info, (some of you know my profile way better though).
CURRENT 6MO 1YEAR 2YEAR
EQ- 649 655 670 685
TU- 649 655 670 685
EX- 657 663 675 690
What do you guys think?? Is my prediction decent?
I'd say.......
Expect your 1yr prediction in two years, be pleasantly surprised if it's your 2 year prediction.
@Anonymous wrote:
@pizza1 wrote:OK..Im gardening for 1-2 yrs. I lost some pts on my last 2 month app spree, but not that much because im already in the dirtiest of all buckets known to Fico, lol ( BK). Ive had 20 new accts in the last 3 months, and at least that in inquiries on all three CRA. They were all HP's. NOW... Some of you know my past and current credit situation, if you dont, then you dont really hang out in the forums that much, lol...
** Reminder: This is just a fun game (but I still want your opinion), not a chance for some to take a dig at me, and remind me to stop apping and garden. I know this already
With that said, I plan to do the following:
1) garden
2) close
4ALL store cards within the next yr3) NO apps for anything, nothing (i.e....mortagae, car, cc, apt, util, phone etcc..) Im set.
4) keep my 1% util reporting
5) ill have 3 CC reach the "2yr" mark, and several cards reach the "1yr" mark, and roughly 8-13 inq drop from all 3 CRA, and several reach the 1yr mark.
So with that being said, these are my current Fico scores , and my prediction of future scores at the 6mo, 1yr, and 2yr mark. Im curious to know what you all think my scores would be given that basic info, (some of you know my profile way better though).
CURRENT 6MO 1YEAR 2YEAR
EQ- 649 655 670 685
TU- 649 655 670 685
EX- 657 663 675 690
What do you guys think?? Is my prediction decent?
I'd say.......
Expect your 1yr prediction in two years, be pleasantly surprised if it's your 2 year prediction.
nixon... Chase rep told mehe wanted to see a lot of history on all those new accts, make sure I can handle all this credit given to me. I plan to weed out the store cards over the years...but not all at once. I have a game plan here (the RC)..lol
I'll settle for closing everything comenity, excluding your Barney's card.
everything comenity??? UGH..I LOVE my cards LOL..jcrew has a limit of $8250, and Im coming due for a CLI soon..dont think I can do that, LOL
Yes.
At the very least everything comenity you don't use at least 2x a month.
And why they should go. Amex, Chase, etc kinda hold comenity cards against you (even though analyst didn't mention it). If you are not using them, then you don't NEED them. Trust me on this.
I agree strongly here, either way, she will have some 'splaining to do.
@northface28 wrote:My wife works at Discover here in Riverwoods, IL and youll have a hard enough time explaining 20 store cards in the first place, damage is done, may as well leave em open.
well thank goodness I already got Discover in February! lol
@pizza1 wrote:
@northface28 wrote:My wife works at Discover here in Riverwoods, IL and youll have a hard enough time explaining 20 store cards in the first place, damage is done, may as well leave em open.
well thank goodness I already got Discover in February! lol
I am pretty sure you have more than sufficient CL without all those store cards cluttering your report up.
@Anonymous wrote:
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:
@Anonymous wrote:
@pizza1 wrote:OK..Im gardening for 1-2 yrs. I lost some pts on my last 2 month app spree, but not that much because im already in the dirtiest of all buckets known to Fico, lol ( BK). Ive had 20 new accts in the last 3 months, and at least that in inquiries on all three CRA. They were all HP's. NOW... Some of you know my past and current credit situation, if you dont, then you dont really hang out in the forums that much, lol...
** Reminder: This is just a fun game (but I still want your opinion), not a chance for some to take a dig at me, and remind me to stop apping and garden. I know this already
With that said, I plan to do the following:
1) garden
2) close
4ALL store cards within the next yr3) NO apps for anything, nothing (i.e....mortagae, car, cc, apt, util, phone etcc..) Im set.
4) keep my 1% util reporting
5) ill have 3 CC reach the "2yr" mark, and several cards reach the "1yr" mark, and roughly 8-13 inq drop from all 3 CRA, and several reach the 1yr mark.
So with that being said, these are my current Fico scores , and my prediction of future scores at the 6mo, 1yr, and 2yr mark. Im curious to know what you all think my scores would be given that basic info, (some of you know my profile way better though).
CURRENT 6MO 1YEAR 2YEAR
EQ- 649 655 670 685
TU- 649 655 670 685
EX- 657 663 675 690
What do you guys think?? Is my prediction decent?
I'd say.......
Expect your 1yr prediction in two years, be pleasantly surprised if it's your 2 year prediction.
@Anonymous wrote:
@pizza1 wrote:OK..Im gardening for 1-2 yrs. I lost some pts on my last 2 month app spree, but not that much because im already in the dirtiest of all buckets known to Fico, lol ( BK). Ive had 20 new accts in the last 3 months, and at least that in inquiries on all three CRA. They were all HP's. NOW... Some of you know my past and current credit situation, if you dont, then you dont really hang out in the forums that much, lol...
** Reminder: This is just a fun game (but I still want your opinion), not a chance for some to take a dig at me, and remind me to stop apping and garden. I know this already
With that said, I plan to do the following:
1) garden
2) close
4ALL store cards within the next yr3) NO apps for anything, nothing (i.e....mortagae, car, cc, apt, util, phone etcc..) Im set.
4) keep my 1% util reporting
5) ill have 3 CC reach the "2yr" mark, and several cards reach the "1yr" mark, and roughly 8-13 inq drop from all 3 CRA, and several reach the 1yr mark.
So with that being said, these are my current Fico scores , and my prediction of future scores at the 6mo, 1yr, and 2yr mark. Im curious to know what you all think my scores would be given that basic info, (some of you know my profile way better though).
CURRENT 6MO 1YEAR 2YEAR
EQ- 649 655 670 685
TU- 649 655 670 685
EX- 657 663 675 690
What do you guys think?? Is my prediction decent?
I'd say.......
Expect your 1yr prediction in two years, be pleasantly surprised if it's your 2 year prediction.
nixon... Chase rep told mehe wanted to see a lot of history on all those new accts, make sure I can handle all this credit given to me. I plan to weed out the store cards over the years...but not all at once. I have a game plan here (the RC)..lol
I'll settle for closing everything comenity, excluding your Barney's card.
everything comenity??? UGH..I LOVE my cards LOL..jcrew has a limit of $8250, and Im coming due for a CLI soon..dont think I can do that, LOL
Yes.
At the very least everything comenity you don't use at least 2x a month.
Your limits will likely increase on your real CC's as you pare down those store cards.
But pizza should get a 25K Lowes if she doesn't already have one. That'll make other prime CCCs wanna give her higher limits.
Hey PC! Ive got lowes already, got that one in February too, LOL..it currently sit at cl $3k, should be to $20-$25 in 2 yrs plus my navy card adn cap one cards have high limts too, so that will help, and the Chase rep told me that exactly,
@Anonymous wrote:
@pizza1 wrote:
@northface28 wrote:My wife works at Discover here in Riverwoods, IL and youll have a hard enough time explaining 20 store cards in the first place, damage is done, may as well leave em open.
well thank goodness I already got Discover in February! lol
I am pretty sure you have more than sufficient CL without all those store cards cluttering your report up.
Good point, people like to tell themselves they are padding their UTIL with these store cards, and you are, howver, you are severly limiting your CL potential with real banks as well. Not worth it if you ask me.