Re: Advice on improving my score.
10-14-2013 10:04 PM
Half of my cards were closed in the consolidation through the credit union - CAP1 stayed open - My score for TRU is was a 682 and Equifax 666 prior to the consolidation loan. In less than a week my score has gone from 666 EQ to 721 and My TRU from 682 to 734. Just to see what would happen I applied for a new card and I got a 3K limit with cap1 and a new discover card (which I always was denied for previosly) I know I shouldnt have applied but I did it for the credit education purpose, however I will keep the Cap 1 I just wont activate the Discover. I just wanted to make a UPDATE post since this may have been helpful to somebody that is reading this. Ill be sure to check back in to this post maybe 6 months from now. I must say that this credit union totally helped me and I am so greatful.
To quote another fellow here on the boards " activating a card is just a security feature. Your account is open, you took the HP, you lowered your AAoA already, you might as well make use of it"
3/12 $3500 6/12 $1200 10/12 $1500 12/12 $3400 6/13 $12000 7/13 $5000 7/13 $2500 8/13 $2000 8/13 $6000
| CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000 | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |