https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Not-sure-where-to-go-from-here-Kinda-mid-credit-building-around/m-p/2713293#M314179 <P>Hi all, I've read a lot of posts on here but am kind of not sure what to do now as I'm not used to how to play the credit game.</P><P>&nbsp;</P><P>First off, I have scores in the 630-660 range across the three bureaus. &nbsp;In may of last year, I had a score of around 650, and I needed to move cross country. &nbsp;As a result, I had to get a car for my wife (lived in a downtown city before) finance a lot of the move, and have credit pulls for electrical, rent, blah blah. &nbsp;Also, as a result of the move, I ended up with 2 collections for stuff that people had tried to reach me for on the west coast. (Both medical bills, one 30$ one for about 300$) &nbsp;All said and done I had 2 collections and 10 inquiries. &nbsp;All of my scores dropped to the 550 range for "too many new accounts/inquiries". &nbsp;I've managed all of the debt I accumulated pretty well. &nbsp;Down to about 40% util and of course, never paid late, etc. &nbsp;EXP is now around 660, EQ up to 630. &nbsp;Within 2 months I'll have Util below 30%.&nbsp;<SPAN>&nbsp;The collections are paid but still show up.&nbsp;</SPAN><BR /><BR />Here's my question, the three new cards I got were BOA, CAP1 and USAA. &nbsp;Cap 1 went from 500 to 3,000 for the auto cli. &nbsp;2 months later, I thought that BOA would match so I pressed the luv button. I got a decline for "too many inquiries/accounts opened".&nbsp;<BR /><BR />I didn't push it with a recon because I didn't know if it was a HP. (Checked EXP and no HP/SP, checked eq, nothing either).<BR /><BR />My question is, should I just sit on these accounts and hope for an auto cli, or should I push the issue when I get down to 30% with my other 2 cards. &nbsp;The sticking point is I want to buy a house this year and I don't know if its worth risking inquiries to try for higher CL or just leave it alone and have 0 inquiries in the last 12 months when I go to apply for the loan.</P><P><BR />Any thoughts would be great!!</P> Thu, 09 Jan 2014 03:02:34 GMT mccallb 2014-01-09T03:02:34Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Not-sure-where-to-go-from-here-Kinda-mid-credit-building-around/m-p/2713293#M314179 <P>Hi all, I've read a lot of posts on here but am kind of not sure what to do now as I'm not used to how to play the credit game.</P><P>&nbsp;</P><P>First off, I have scores in the 630-660 range across the three bureaus. &nbsp;In may of last year, I had a score of around 650, and I needed to move cross country. &nbsp;As a result, I had to get a car for my wife (lived in a downtown city before) finance a lot of the move, and have credit pulls for electrical, rent, blah blah. &nbsp;Also, as a result of the move, I ended up with 2 collections for stuff that people had tried to reach me for on the west coast. (Both medical bills, one 30$ one for about 300$) &nbsp;All said and done I had 2 collections and 10 inquiries. &nbsp;All of my scores dropped to the 550 range for "too many new accounts/inquiries". &nbsp;I've managed all of the debt I accumulated pretty well. &nbsp;Down to about 40% util and of course, never paid late, etc. &nbsp;EXP is now around 660, EQ up to 630. &nbsp;Within 2 months I'll have Util below 30%.&nbsp;<SPAN>&nbsp;The collections are paid but still show up.&nbsp;</SPAN><BR /><BR />Here's my question, the three new cards I got were BOA, CAP1 and USAA. &nbsp;Cap 1 went from 500 to 3,000 for the auto cli. &nbsp;2 months later, I thought that BOA would match so I pressed the luv button. I got a decline for "too many inquiries/accounts opened".&nbsp;<BR /><BR />I didn't push it with a recon because I didn't know if it was a HP. (Checked EXP and no HP/SP, checked eq, nothing either).<BR /><BR />My question is, should I just sit on these accounts and hope for an auto cli, or should I push the issue when I get down to 30% with my other 2 cards. &nbsp;The sticking point is I want to buy a house this year and I don't know if its worth risking inquiries to try for higher CL or just leave it alone and have 0 inquiries in the last 12 months when I go to apply for the loan.</P><P><BR />Any thoughts would be great!!</P> Thu, 09 Jan 2014 03:02:34 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Not-sure-where-to-go-from-here-Kinda-mid-credit-building-around/m-p/2713293#M314179 mccallb 2014-01-09T03:02:34Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Not-sure-where-to-go-from-here-Kinda-mid-credit-building-around/m-p/2713377#M314191 <P>If you want to buy a home, I would stay put and nurture the current credit/ scores....I wouldn't risk anymore inquiries if you want to apply for a mortgage. My 2 cents....</P> Thu, 09 Jan 2014 03:44:28 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Not-sure-where-to-go-from-here-Kinda-mid-credit-building-around/m-p/2713377#M314191 Anonymous 2014-01-09T03:44:28Z