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Need advice to boost my scores

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LB2484
Valued Member

Need advice to boost my scores

Learning a lot by being on this forum.
My credit scores are my fico EX 690, EF 657, TU 665
I have a BOA card with 750 CL and a Capital One with 700 CL
I'm trying to get a mortgage loan in Jan or Feb of 2014.
My question is that I received an offer in he mail for a Cap One card with a 1500 CL
Should I apply for this card or just ask for a CLI from Cap One?
Don't want to do anything that will reduce my scores drastically.
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09Lexie
Moderator Emerita

Re: Need advice to boost my scores

If you are contemplating a mortgage app, it is best not to apply for new credit within 6 mos. in order to boost your scores, make sure your current util reports less than 10% and have only 1 cc report a balance.
Message 2 of 4
GFer
Valued Contributor

Re: Need advice to boost my scores

Cap1 is usually sp for cli. Why not ask for cli for existing cc's instead? You really don't need hp @ the LEAST 6 months to a year before mortgage app.

Good luck!



EQ 817, EX 815, TU 813 (Updated 1/5/18: TU 843

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Message 3 of 4
jropeter
New Contributor

Re: Need advice to boost my scores

I would recommend asking for a CLI on your existing card(s). If you are looking to purchase a home, I would not recommend applying for any new credit cards until after you have purchased and moved into your new home Smiley Wink

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