@User1109519 600 is a really score to have 0 derog's on your credit report. What is your revolving utilization looking like? How about your Average Age of Accounts? I mean, clearly the score is likely the issue with Amex not letting you grow, so I definately would put some energy into understanding why your score is so low. I am skeptical that a couple auto loans and some new accounts are the only drivers here. There is a wealth of knowledge and experience on this forum, so if you can share some more data points from your reports, I am sure folks can help you understand why your score is low and give some advice on how to increase it.
Sorry but 600 is far too low to have zero negatives and only some new accounts. Something else is going on here. Have you pulled your full reports from annualcreditreport.com? There may be some inaccurate derogatory information you're unaware of that is keeping your scores down, which in turn is keeping you from getting a CLI.
Yeah something's not right here. I opened a $50k+ auto loan and my score didn't move.
I would definitely look at your reports.
Here's my profile. I'm not sure why it's so low. Always has been. I zeroed out 99% of my revolving debts a couple months ago and barely hit 660. 🤷🏻♂️ Maybe I'm too new?
CK TU 597 EQ 613
AAoA 1 year 1 month
Credit Cards
Macys (AU) 2 years 4 months
$0 of $25,000
CFNA 2 years 3 months
$1,354 of $3,200
UNIFY 1 year 8 months
$4,357 of $5,000
Discover (AU) 1 year 8 months
$0 of $10,000
Target 1 year 2 months
$537 of $900
Home Depot 1 year 2 months
$0 of $1,000
AMEX Gold Delta 1 year 2 months
$1,083 of $1,000
PayPal MC 1 year 2 months
$665 of $700
NFCU 1 year 1 month
$1,148 of $2,500
Lowes 1 year 1 month
$0 of $300
Mathis Brothers 1 year 1 month
$1,447 of $3,000
Care Credit 1 year
$0 of $100
UNIFY 3 months
$149 of $500
CLOSED CARDS
Walmart 2 years 3 months
Home Design 1 year
UNIFY 1 year 8 months
CapitalOne 3 years 11 months
CapitalOne 4 years 6 months
Discover (AU) 2 years 1 months
Endurance FCU 1 year 2 months
Personal Loans
DCU 1 year 1 month
$16,845 of $20,000
UNIFY 3 months
$9,730 of $10,000
PAID Personal Loans
Legacy Bank 5 years 11 months
First Bank & Trust 10 years 5 months
Auto Loans
BancFirst 5 months
$13,634 of $15,161
USE FCU 1 month
$41,279 of $41,279
PAID Auto Loans
CapitalOne 1 year 11 months
$0 of $19,553
Endurance FCU 1 year 3 months
$0 of $16,832
Forgot the inquiries. 38.
@User1109519 wrote:So I've had my Delta Gold AMEX for about 14-15 months now. It's been $1,000 the entire time and WON'T GROW! They keep asking me to upgrade the last couple months to the $550 per year Black Delta AMEX. Should I? Might that be a stepping stone? The Boeing 77 Black Delta AMEX is a GORGEOUS card indeed! Would it be $550 per card? If I have a couple of authorized users on my account, would that be an extra $1,100 per year? My credit score has fallen to about a 600...
Upgrading to the Delta Reserve won't in itself increase your limit. As you have had the card for over a year, there are no Credit CARD Act regulations requiring a certain fees-to-limit ratio. Also, the upgrade offers are rarely anywhere in the ballpark as a new card bonus. The Delta Reserve currently has a 100,000 SkyMiles Welcome Offer, which is valued at a minimum of $1200 even for non-sale economy tickets. Additional users are $175 each on the Delta Reserve, but really the only perks they get are SkyClub, Centurion Lounge, and Escape Lounge access when flying Delta or its partners. Not even the free first bag or priority boarding they'd get with the sub-$100 Delta Gold card is extended to them (unless flying on the same PNR as you, the primary cardholder).
The scores you posted are VantageScore 3.0 scores. On clean credit histories, they can be much lower than FICO 8 scores (such as the Experian FICO 8 that Amex uses to manage your account) when you have a ton of new credit as you seem to have. You can get your actual Experian FICO 8 score by logging into your Amex account and navigating to Account Services (up top), Profile (on the left), and View FICO Score (bottom). From what you have stated, your FICO 8 scores are probably a bit better but with all of the aggressive credit-seeking, that can give most lenders pause on extending additional credit. You also appear to be over your credit limit on the Amex card?
So a few things going on here:
First, you're very aggressively seeking credit. You need to cool it.
Secondly, you're referencing Vantage scores from CK, which are highly volatile and can be very different from true FICO scores.
Thirdly, you seem to have a lot of maxed or near-maxed accounts, including an over limit Amex. Pay all of these down to zero and you should see some nice gains.