https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-next/m-p/719844#M117054 <P>&nbsp;I been rebuilding my credit for a while now. Up until about 5 months ago&nbsp; i only had&nbsp; 2 credit cards an orchard for 1.8k and a bestbuy for 3k. About 5 months ago I added a nfcu visa for 10k and a chase card for 3.5k My equifax fico is 724. I had a few lates and CA's but they&nbsp; have already begun to fall of and the only remaining one will fall if in 2 months.&nbsp; I also jut refinanced my vehicle to a interest rate half of its previous this week.</P><P>&nbsp;</P><P>Im debating on apping for more cards or not.</P><P>&nbsp;</P><P>AAoA isabout 6 years now.</P><P>And my util is about 10%</P><P>10&nbsp; inquiries in the last 2 years on equifax&nbsp; 5 of those are from rental car agencies that wouldnt rent to me without a credit card so they had to pull my credit report. the rental inqs were all in 2008.</P><P>income is 150+</P><P>&nbsp;</P><P>My problem is i need the cards to make large pruchases every few months like airfare for work. and since i dont have much total overall credit a purchase like that would drive my utilization through the roof.</P><P>&nbsp;</P><P>What do you all advise? Should i app more? i am thinking about trying penfed. More new cards will drive down my AAoA. is a real catch 22.</P> Fri, 20 Aug 2010 12:05:05 GMT Anonymous 2010-08-20T12:05:05Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-next/m-p/719844#M117054 <P>&nbsp;I been rebuilding my credit for a while now. Up until about 5 months ago&nbsp; i only had&nbsp; 2 credit cards an orchard for 1.8k and a bestbuy for 3k. About 5 months ago I added a nfcu visa for 10k and a chase card for 3.5k My equifax fico is 724. I had a few lates and CA's but they&nbsp; have already begun to fall of and the only remaining one will fall if in 2 months.&nbsp; I also jut refinanced my vehicle to a interest rate half of its previous this week.</P><P>&nbsp;</P><P>Im debating on apping for more cards or not.</P><P>&nbsp;</P><P>AAoA isabout 6 years now.</P><P>And my util is about 10%</P><P>10&nbsp; inquiries in the last 2 years on equifax&nbsp; 5 of those are from rental car agencies that wouldnt rent to me without a credit card so they had to pull my credit report. the rental inqs were all in 2008.</P><P>income is 150+</P><P>&nbsp;</P><P>My problem is i need the cards to make large pruchases every few months like airfare for work. and since i dont have much total overall credit a purchase like that would drive my utilization through the roof.</P><P>&nbsp;</P><P>What do you all advise? Should i app more? i am thinking about trying penfed. More new cards will drive down my AAoA. is a real catch 22.</P> Fri, 20 Aug 2010 12:05:05 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-to-do-next/m-p/719844#M117054 Anonymous 2010-08-20T12:05:05Z