@Anonymous wrote:
I have been diligently working on improving my credit score over the last year or so and I am thankfully starting to see some progress. Starting in 2/17 my tu score was 563 and eq was 557 with my utilization was around 80% now my tu is 673, eq is 723 with utilization at 8%. Long story short I got approved for Disco it 10k cl, and an Amex bce 1k cl, but I am wondering if I should apply for a couple more cards or be patient and wait another 6 months to let my score increase a bit more.
Congratulations on your score improvement and your successful applications. If you don't have any cards that you specifically need or want to apply for, it never hurts to wait. Your score will only go up which opens a lot of doors (or in this case applications). And, that Discover 10K is a significant addition already.
Out of curiosity since you only mentioned EQ and TU, are those Vantage scores from Credit Karma?
Good advice
Use your new cards for next 6 months and watch your scores grow Just remember to keep the util down
Use your new cards for next 6 months and watch your scores grow
Just remember to keep the util down
@Anonymous wrote:
I have been diligently working on improving my credit score over the last year or so and I am thankfully starting to see some progress. Starting in 2/17 my tu score was 563 and eq was 557 with my utilization was around 80% now my tu is 673, eq is 723 with utilization at 8%. Long story short I got approved for Disco it 10k cl, and an Amex bce 1k cl, but I am wondering if I should apply for a couple more cards or be patient and wait another 6 months to let my score increase a bit more.
1. Where are you getting the scores from? If from Credit Karma they're not FICO scores.
2. Discover will give you a genuine TU FICO 8 score and Amex will give you a genuine EX FICO 8 score, so use that.
3. Scorewise, you're better off not applying for any new credit. If you have only the 2 credit cards you mentioned, you should let one report a zero balance, and the other report a small balance.
