So I have a cash rewards card that's a year old now, started at $500 sits at $4,500 now.
I have a go rewards card that started at 9,500 that was approved for 6k increase last week, was above 20% utilization on profile so explains why it wasn't 8k. Card will be 5 months old tomorrow.
I started fixing my credit in June of last year where I had $4,400 in total credit and a handful of collections, plus two charge offs.
Collections are gone, one charge off is 4 years old and is paid, other is 4.5 years old and unpaid, I live in New York so i intend to use the 5 year law to have them removed pending the 4.5 year old decides to settle otherwise I'll just let it continue to age until it falls off.
I now have $99.3k in total credit over the last 16 months, went from 3 cards to 10 on personal with an additional 4 on business.
Curious if anyone has had similar situation with navy because I'm debating applying for Flagship next week when my utilization is back to 1% -- questioning if it's a good idea now or if I should wait a bit longer.
monthly deposits into my flagship checking range from 16-30k for last 6 months, income $450k
Being $700 short of $100k is frustrating my OCD which is why my trigger finger is itchy on the Flagship app lol
TU F9 should be above 745 after utilization update and I'm currently 2/6 and 7/12 for TU inquiries, 5 of those 7 are NFCU (auto loan and line of credit, two cards, one denial in-between the cash rewards and go rewards)
@ShreksBFF wrote:So I have a cash rewards card that's a year old now, started at $500 sits at $4,500 now.
I have a go rewards card that started at 9,500 that was approved for 6k increase last week, was above 20% utilization on profile so explains why it wasn't 8k. Card will be 5 months old tomorrow.
I started fixing my credit in June of last year where I had $4,400 in total credit and a handful of collections, plus two charge offs.
Collections are gone, one charge off is 4 years old and is paid, other is 4.5 years old and unpaid, I live in New York so i intend to use the 5 year law to have them removed pending the 4.5 year old decides to settle otherwise I'll just let it continue to age until it falls off.
I now have $99.3k in total credit over the last 16 months, went from 3 cards to 10 on personal with an additional 4 on business.
Curious if anyone has had similar situation with navy because I'm debating applying for Flagship next week when my utilization is back to 1% -- questioning if it's a good idea now or if I should wait a bit longer.
monthly deposits into my flagship checking range from 16-30k for last 6 months, income $450k
Being $700 short of $100k is frustrating my OCD which is why my trigger finger is itchy on the Flagship app lol
TU F9 should be above 745 after utilization update and I'm currently 2/6 and 7/12 for TU inquiries, 5 of those 7 are NFCU (auto loan and line of credit, two cards, one denial in-between the cash rewards and go rewards)
I agree with @CreditPoor that you should go without any new applications for a while.
Staying away from this website will absolutely do you good. its been seven years, since I was last here regularly ...
Now I am wondering if American Express will give me another credit card when they havent been giving me CLI's for years without.... more paperwork, and i want to open a Marriot CC and take vacations. 😐
