So I've been working on paying off the rest of my cc debt, keeping a diverse profile, & trying to keep my scores as good as possible for mortgage hunting next year. I've got my Fico 8's (I know those aren't used for mortgage) to 843 (ex), 842 (eq), & 849 (tu), 1% utilization, a timeshare mortage with 3k left on it, & a personal loan that was at $16k balance from a $24k start.
I was paying my Amex bills & had a personal loan offer up to $40k @ 4.98%....I took the offer ($20k) as it will knock 3% off my current loan APR.
My Platinum annual fee hit & after a quick convo through Amex chat I got a 40k MR offer for $3k spend.
My Gold card annual fee hits next week & I got the same offer on that...40k MR for $3k spend.
I'm also a few weeks past 6 months for my next cli so I asked for a $5k bump on my Marriott Business card...approved & I went from $10k to $15k.
$120k income, $59k exposure with Amex on revolvers, Plat & Gold charge cards, new $20k personal loan with amex...$420k in total lines...
Even better...loan hit the bank next day, no inquiries for all this, & I'll save some cash with the new APR...
Productive week for me & Amex...
I'm so happy I've been able to fix all my errors & poor decisions from my 20's. Life in the 800's is so much better than life in the 500's. I owe all of this to learning & learning & learning here...
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