Well, that's it, I removed the one baddie i had throuogh the good graces of one cool person at Cap One. I am under 1% UITL (I know, I should be a little over 1% - I'll go out tonight and but something on credit 
, I have barclays and Discover so I see my FICO every month.
As you can see, within about 6 month I went from 652 (TU Lender Pull) to 759 (TU FICO) - 100+ points - three changes did it: 1. Dropped UTIL from about 20% to 1%, doubled my avaialble credit via CLI's and new credit (the new credit did drop my AAoA but also lowered my UTIL - even trade? I dk), and lastly got rid of the one 30-Day I had.
The only other thing that is holding my score down is AAoA and only time can do anything with that.
Thanks everyone for all the schoolin'
@tufa4311 wrote:Well, that's it, I removed the one baddie i had throuogh the good graces of one cool person at Cap One. I am under 1% UITL (I know, I should be a little over 1% - I'll go out tonight and but something on credit
The only other think that is holding my score down is AAoA and only time can do anything with that.
Thanks everyone for all the schoolin'
Woohoo, congrats and Happy Holidays
