Amex 🙄🙄🙄🙄

[Anonymous]

Not really 3 new accounts, just a very thin and young file I think, my scores are rising weekly, about 3 to 8 points on average, I’ve done a lot to change the way I do my accounts thanks to the forums and all the advice here

[wasCB14]

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@Anonymous wrote:
Not really 3 new accounts, just a very thin and young file I think, my scores are rising weekly, about 3 to 8 points on average, I’ve done a lot to change the way I do my accounts thanks to the forums and all the advice here

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Maybe high utilization?

@FinStarwho I see kudoed this...

You don't think 664-684 is unusually low for a clean file with 4 years of history?

Thin files are compared to other thin files. Even when I was picking up a lot of new accounts and inquiries in 2014-2015...and only had history going back to the end of 2013...I don't think I ever dropped below about 710.

[FinStar]

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@wasCB14 wrote:

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@Anonymous wrote:
Not really 3 new accounts, just a very thin and young file I think, my scores are rising weekly, about 3 to 8 points on average, I’ve done a lot to change the way I do my accounts thanks to the forums and all the advice here

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Maybe high utilization?

@FinStarwho I see kudoed this...

You don't think 664-684 is unusually low for a clean file with 4 years of history?

Thin files are compared to other thin files. Even when I was picking up a lot of new accounts and inquiries in 2014-2015...and only had history going back to the end of 2013...I don't think I ever dropped below about 710.

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It would seem as though the scores should be a bit higher, but the OP mentioned they've changed the way their accounts should be managed so I'm not sure if the OP was letting them report with higher utilization or letting all accounts report to zero, etc.  I'm sure @Anonymous can elaborate further, if they wish to do so. 

The reason the posts were kudo'd was because they decided to wait things out before pulling the trigger rather than an impulse application despite the pre-approval offers given their profile and all other things considered. 

[Anonymous]

@Finstar yes I was letting them report at 50% to 60% uti, and then making a big payment, then charging back up, as of 3 mos ago I started paying them down and most off, I’m doing the azeo method and I have my utilization at 7%, and my scores are shooting up there, my most recent pay off was on January 12th and it won’t report until February 12th and that ll drop my reported utilization to the 7%, I’m reading a lot of the forums and doing what has worked for most and it’s helping me a ton

[soxfaininfl]

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@Anonymous wrote:
60,000 MR points with $5000 spend in 3 mos, apr is set at 17.94%

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When it has a set apr, it's usually pretty solid offer. Obviously nothing is guaranteed in the credit game. 

[FinStar]

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@Anonymous wrote:
@Finstar yes I was letting them report at 50% to 60% uti, and then making a big payment, then charging back up, as of 3 mos ago I started paying them down and most off, I’m doing the azeo method and I have my utilization at 7%, and my scores are shooting up there, my most recent pay off was on January 12th and it won’t report until February 12th and that ll drop my reported utilization to the 7%, I’m reading a lot of the forums and doing what has worked for most and it’s helping me a ton

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Makes sense.  Thanks for providing some DPs on that @Anonymous 😊