https://ficoforums.myfico.com/t5/Credit-Cards/BP-Advice/m-p/4039441#M1135788 Didn't know if I should save the HP. Already have 21 on TU. I have 4 Sychrony accounts from November that I PIF each month but all at minimum CL they offer (SAMs, Walmart, Gap and Amazon).<BR /><BR />All my derogs fall off next year. TU fico is 632. Thank you Fri, 29 May 2015 18:14:05 GMT Anonymous 2015-05-29T18:14:05Z https://ficoforums.myfico.com/t5/Credit-Cards/BP-Advice/m-p/4039441#M1135788 Didn't know if I should save the HP. Already have 21 on TU. I have 4 Sychrony accounts from November that I PIF each month but all at minimum CL they offer (SAMs, Walmart, Gap and Amazon).<BR /><BR />All my derogs fall off next year. TU fico is 632. Thank you Fri, 29 May 2015 18:14:05 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BP-Advice/m-p/4039441#M1135788 Anonymous 2015-05-29T18:14:05Z https://ficoforums.myfico.com/t5/Credit-Cards/BP-Advice/m-p/4039485#M1135806 I suggest waiting. Fri, 29 May 2015 18:33:11 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BP-Advice/m-p/4039485#M1135806 Skye12329 2015-05-29T18:33:11Z