After rereading some of your info on this thread
1) I'm not quite sure of the age of the CCs but things feel relatively young
It appears you're chopping at the bit to get it done ( unneeded Self-Lender loan...but it's means you're trying hard) you're zealous, which is cool but you don't need to over think or jump at "everything"
Just calm it down, pump the brakes, no need to over stress yourself with all these to do
Before I forget to address it NO you don't have to fall for the put THOUSANDS in a secured account they'll be forced to match it at unsecurity time.
a) Not necessary
b) Not true
All this 'loan good' "prettier" lender crap is just that shuttle bucket crap
( As many will tell you lenders like NFCU have been known to give mind blowing SL no matter what, so this nonsense about stuffing a huge amount in security to ensure a huge SL is very over stated)
Frankly a lot of that also comes from ppl not understanding how to use a builder TL ( you "get" it) the only purpose IMO ( and I see you agree, by your plan of usage) is to build some history over time and show great utilization, until the score is stroked and some grass (history) has grown...but too often ppl 5k into these accounts with the thought pattern of turning a bunch of spend though with the idea that the lender will reward them with a huge CL 'because' of the fees made of exchange fees from vendor purchases...way over thinking it
a) Lenders don't score credit, the scoring model does
So IMO feed the girl that controls the score...meaning give the model what SHE is looking for and SHE doesn't give a crap about SIZE ( really, it's true in this case😀)
She's evaluating the % of debt to the CL, what that CL is 9% is 9% that's all she cares about $500 card, $2000 card, $5000 card she looking for the 9...9% that is
On-time payments are a given, we all know and expect that 35% of the score, the SWING issue is #2 & #3
Utilization 30% and Aging/Length 15%
We can manipulate the utilization but we can't rush TIME
This is where the ants in pants gets us moving in too many directions....just water your garden properly and let the Sun do its thing OP☺
You done good, so far let #3 (aging) work it's magic FOR you... I like to tell ppl 8-10 is about a school year, just perform properly for about a school year and you'll be amazed at the results
( Some will say 6 months but because of reporting times and varying updates etc...I like to allow a bit of room + at 10 months, we near the old HPs aging out if negative effect and said accounts are nearing the 1 year mark)
The waiting seems long but in the scheme of things it's minimal, especially considering what working from a position of a more mature, thicker profile can be so HUGE just in a matter of months ...just my take on where my experience has pulled me after all these years...
