Is their anything else I need to do to improve or do I just garden from now on? Utilization 12% (ia actually around 3% but hasn't updated). My current cards and limits are in my siggy. As well as scores. Starting scores were very low 500's (2013). I have tons of INQ'S due to changing from sub prime to prime cards.
One judgment on EQ &TU (5 years old and satisfied). No other baddies. Oldest account is a little over 2 years old.
So my question is, what's next?
One judgment on EQ &TU (5 years old and satisfied). No other baddies. Oldest account is a little over 2 years old.
So my question is, what's next?
Thanks for the advice, I figured as much. But it appears I have spooked the prime lenders by my number of recently approved credit accounts. Chase told me Iwas declined for this sole reason as well as Amex. Guess I'll hold off for a while before I get rid of first premier (finally).
Cap 1 denied me for both, a new QS card and converting my product from QS1 to venture one or regular QS. I have a year of good payment history with them. I will be closing that account soon as well. As you can see I'm no longer in the $300 limit kinda credit range. On the other hand, my credit union has given me whatever I've asked, including 3 CLI's. I've returned the favor with excellent utilization management as well as payment history.
The only thing I would add is to see about getting that judgment vacated on grounds its been paid if you have not already tried.
How do I go about getting the judgment vacated? I no longer live in the state in which the case originated. And Norman, that $300 limit prevents me from using the card heavily. I put over 2k on my NFCU Cash rewards monthly and PIF or carry a balance less than 10%, I can't wait for those payments to clear 7x a month on my QS. I wish Cap 1 had grown with me but I fear I may be beyond them now 
@biglista88 wrote:
How do I go about getting the judgment vacated? I no longer live in the state in which the case originated. And Norman, that $300 limit prevents me from using the card heavily. I put over 2k on my NFCU Cash rewards monthly and PIF or carry a balance less than 10%, I can't wait for those payments to clear 7x a month on my QS. I wish Cap 1 had grown with me but I fear I may be beyond them now
On the judgment you would search the states laws online, goto the ones that control how the civil court system works and find what reasons a judgment can be vacated. You would have to file a motion in the court, its possible it could be done by mail not sure on that though. You would have to find out if an appearance in person is necessary and if its worth it to you.