@dahx wrote:
Tried lendingclub just to see if it would fly. I have two CCs opened close together nearly 7 years ago. FICO 8 across all 3 CBs fluctuate between 760s to 820 depending on card balances (which combined always below 20% util). I use them both for different purposes. Balance each is roughly $300 atm, am under 15% util. I do have two more on the way, but there was only one hard inquiry on TU. Also tried TD bank for a personal loan, however they offered a max of 9k at 20% APR, I said screw that.
Reason highlighted:
No open auto trade
Your credit score: 772
Date of Credit Report Pull: Sunday, Feb 25, 2024
Scores range from 300 to 900
Key factors that adversely affected your credit score:
Lack of recent installment loan information
Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high
Too few accounts currently paid as agreed
Too many accounts with balances
My bet is if you went down to a single card reporting a trivial balance of say, less than $100, you'd be approved.
@dahx wrote:Yeah, that's my plan for my next round. I do have two more cards that will be reporting soon and my TL increased by a factor of 4 with a cli and two new cards. So I guess one small balance and three zeros. Pita to micro manage these things.
Agreed, I'm applying for a mortgage and am currently practicing AZEO for the first time of my life; I hate it.
