I'm so excited!! I've been working hard removing ome of the derogs that I have, and paying off credit cards since January. I just got a 1.7k auto CLI from barclay this morning, going from $2,400 to $4,100. This is the second CLI I got from them in 2 years since opening the card. Not sure how to see where they checked
I am trying to purchase a home this summer, so I am not trying to have any more hard inqs. Just purchased a car in October. I tested luv button Cap 1 on both cards (platinum they finally let me pc after no cli 5 years 8 months, and a qs visa opened 1 year). The first time they were only trying to give 100 cli on the visa, and none on the old platinum/now qs mc. Now, both offers $1,000...but i rejected both. I really want a 2k at least on the visa. Should i just accept? TO reduce util? I'll try again, in 30 -45 days. Any suggestions? My scores recently went up about 20-30pts across the board. I want to get my util down to about 50, right now I'm at 73 percent (all on one card, i started paying off smaller cards first) . I know under 30 is better, but baby steps. I was laid off back in October 2014, and Im finally recovering now. I understand if i should move this to another forum. I get long winded and excited and just couldn't wait to share. My total credit line is 17,350 over 8 cards (2 small limits but oldest cards got month after bk, 1 secure one cap 1 plat now qs mc). BK 7 filed 12/2009, discharged 4/2010.
