##### What to do....what to do???

01-13-2013 04:43 AM

Anyway, i have the following:

Cap one 5k...just got this increased from 1500. through eo

Nav Plat 5k

NavChk 12k...got this increased from 500.

orchard 520..stuck

merrick 300 stuck

I question is this, what can i do to get the orchard increased? Cap one eo suggested that i contact them but ik it will be 100 if anything. And merrick won't even entertain any conversations that include credit limit :-(. Are these tradelines destine to be duds? My credit is so much better now then when i got these and they both have AFs but they are also my oldest trade lines. At one time i thought i would just close them and that's that but@ i only have the four. Statsa are:

Utilization 0%

no baddies lil over 2 yrs. (but was a biggie..bk7)

scores ranging from 669-672

Any thoughts on getting this 2 up to par? I dnt nd the increases and def dnt want any new cards but am loving the game ;-)

Starting Score:

**530**

3-2013Score:

**TU 680 EQ 683 EXP 679 FAKO**

Current Score (lender pull):

**TU 693 EQ 649 EXP 699 Lender Pull**

Goal Score:

**700**

Take the FICO Fitness Challenge

##### Re: What to do....what to do???

01-13-2013 04:53 AM

I would personally probably close the Merrick unless you like using it for small purchases and probably hold onto the Orchard to maybe get at least a small CLI maybe once in awhile. At least you'd have one of your two oldest tradelines left if you still kept the Orchard, but that's just my advice.

BofA BB Rewards 4000 | Walmart Discover 4000 | AMEX BCE 3400 | DCU Visa Platinum 3200 | Affinity Plus Visa Rewards 3000 | Capital One Cash Rewards 1500 | NTB Card 700

##### Re: What to do....what to do???

01-13-2013 05:02 AM

Starting Score:

**530**

3-2013Score:

**TU 680 EQ 683 EXP 679 FAKO**

Current Score (lender pull):

**TU 693 EQ 649 EXP 699 Lender Pull**

Goal Score:

**700**

Take the FICO Fitness Challenge

##### Re: What to do....what to do???

01-13-2013 05:23 AM

Starting Score:

**530**

3-2013Score:

**TU 680 EQ 683 EXP 679 FAKO**

Current Score (lender pull):

**TU 693 EQ 649 EXP 699 Lender Pull**

Goal Score:

**700**

Take the FICO Fitness Challenge

##### Re: What to do....what to do???

01-13-2013 05:33 AM

shorrttyycm1 wrote:

I thought about that but they are my 2 oldest accounts. That's gotta hurt in some way right? I thought it either hurts your AAoA or because they are oldest or because i will be down to only 2 cards????

How much older are they? Do you pay an annual fee on them?

Even when closed, it'll count towards your AAOA for 10 years. I'd imagine, 10 years from now, the history falling off would be inconsequential to your AAOA.

##### Re: What to do....what to do???

01-13-2013 06:22 AM

Starting Score:

**530**

3-2013Score:

**TU 680 EQ 683 EXP 679 FAKO**

Current Score (lender pull):

**TU 693 EQ 649 EXP 699 Lender Pull**

Goal Score:

**700**

Take the FICO Fitness Challenge

##### Re: What to do....what to do???

01-13-2013 06:22 AM

Starting Score:

**530**

3-2013Score:

**TU 680 EQ 683 EXP 679 FAKO**

Current Score (lender pull):

**TU 693 EQ 649 EXP 699 Lender Pull**

Goal Score:

**700**

Take the FICO Fitness Challenge

##### Re: What to do....what to do???

01-13-2013 06:23 AM

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k

##### Re: What to do....what to do???

01-13-2013 06:30 AM

Starting Score:

**530**

3-2013Score:

**TU 680 EQ 683 EXP 679 FAKO**

Current Score (lender pull):

**TU 693 EQ 649 EXP 699 Lender Pull**

Goal Score:

**700**

Take the FICO Fitness Challenge