Setting goals...

[Anonymous]

I have three newer lines that I want to let age a bit..I want to semi-garden for the next few months, unless I get a preapproval, CLI, secured-->unsecured, or something involving just a SP. I'm trying to be solid enough to qualify for something like a QS, Freedom, or BCE. On a bigger scale, alao working toward a mortgage and newer car. (In that order, thank you! 😊) I'm paying off a few baby baddies (mostly under $500 each) and have a few more items still in dispute. What are my chances, realistically, of getting between a 650-700 across the board in the next six to twelve months if I keep going?

[sarge12]

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@Anonymous wrote:
I have three newer lines that I want to let age a bit..I want to semi-garden for the next few months, unless I get a preapproval, CLI, secured-->unsecured, or something involving just a SP. I'm trying to be solid enough to qualify for something like a QS, Freedom, or BCE. On a bigger scale, alao working toward a mortgage and newer car. (In that order, thank you! 😊) I'm paying off a few baby baddies (mostly under $500 each) and have a few more items still in dispute. What are my chances, realistically, of getting between a 650-700 across the board in the next six to twelve months if I keep going?

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What are your scores now?...how may credit cards do you have open? need more info to give you an educated guess.

[Anonymous]

My information is in my siggy. 😊

[sarge12]

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@Anonymous wrote:
My information is in my siggy. 😊

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Hmmm...not showing up on our end.

[sarge12]

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@Anonymous wrote:
My information is in my siggy. 😊

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Here is a screen capture of your post

[rmduhon]

That's odd, it's showing for me. Here's the siggy

As of 3/18/17: EQ 524/TU 580/EX 574 Prestige Finance Auto 18K, Austin Capital/Self Lender 500CL, Fingerhut 130CL, Open Sky/Capital Visa Secured 300CL, Discover IT Secured 200CL, Credit One Unsecured 300CL

[sarge12]

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@rmduhon wrote:
That's odd, it's showing for me. Here's the siggy

As of 3/18/17: EQ 524/TU 580/EX 574 Prestige Finance Auto 18K, Austin Capital/Self Lender 500CL, Fingerhut 130CL, Open Sky/Capital Visa Secured 300CL, Discover IT Secured 200CL, Credit One Unsecured 300CL

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That is some strange stuff...most everybody elses siggy shows up foe me...that is a mystery.

[sarge12]

I checked my setting and it appeared all settings in order, then opened the same page in different browser...still can not see his signature...that is the strangest bug ever, real weird.

If any moderator can get in touch with the IT guy to address this bug it would be appreciated...how can someone signature show up for some, and not for others? That makes no sense at all. I tried to see his siggy in both chrome and internet explorer...no signature files displayed, although most users signature lines show up fine...I'm stumped.

[sarge12]

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@Anonymous wrote:
I have three newer lines that I want to let age a bit..I want to semi-garden for the next few months, unless I get a preapproval, CLI, secured-->unsecured, or something involving just a SP. I'm trying to be solid enough to qualify for something like a QS, Freedom, or BCE. On a bigger scale, alao working toward a mortgage and newer car. (In that order, thank you! 😊) I'm paying off a few baby baddies (mostly under $500 each) and have a few more items still in dispute. What are my chances, realistically, of getting between a 650-700 across the board in the next six to twelve months if I keep going?

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Now that I have seen your current score, albeit through a third party, if you take care of baddies...try to get PFD...and keep utilization low, and of course pay everything on time every single month, I would say 650-700 in the next 6-12 months is not only possible but likely.

[Anonymous]

The approach that works for me is to pay at least the minimum as soon as the bill comes (to show the positive history), then to add a few more payments before the due date, to drop the balance down.

I am attempting pfd...I had an old WF card that CO, but they said no. I have Progressive ($107) and First Premier ($300) that I will attempt that with. I am waiting for my dispute process to complete to see if there are any other remaining accts that I need to try it with.