Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: 9 accounts in my credit report

If the CCs have an annual fee and you don't use the card for rewards to make up for it.  Close it.  If it doesn't have an AF then just sock drawer it.  Keep your util below 9% on your revolving.   If you have the money for the loans. pay one of them off, then make payments on the other.   Just what I would do, YMMV of course.  Good luck!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!