Re: HSBC Closed My card
10-07-2012 07:08 PM
While that HSBC card is closed, it will continue to report for the next 10 years or so. You have zero balances on your 3 remaining cards, so your UTIL is just fine. IMO, you don't need a new credit card right now. Do not app for anything right now - you are too close to beginning the process for a mortgage. Plant yourself in the garden, at least until after you close on your home purchase and your loan is funded.
FICOs: TU08 808 10/3/13 per Wally; TU98 786 11/21/13; EQ 767 11/25/13; EX 792 11/25/13 per MyFICO
My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $5K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $8K; CSP $28.2K; Chase Freedom MC $7.5K; Citi Simplicity Visa $13.4K; Discover IT $20K; US Bank Cash+ Visa Sig $20K; Walmart Discover $10K