Valued Contributor
Posts: 1,063
Registered: ‎07-09-2013
Re: Advice on improving my score.

jg33 wrote:

*****UPDATE****

 

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 |