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distantarray wrote:

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constantgardener wrote:

I wish I could answer, but I have no idea. Utility isn't too high. I'm going to wait a bit before applying. How long does Discover take to report??

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well what's not "too high" in your opinion? even 25% can be high for limited history.

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his amex added 10 years of history which helps smooth things out. 

as for discover i believe its right after your second statment but i could be wrong. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000