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afbar1114
Valued Contributor

Re: Cards.?


@MarineVietVet wrote:

@afbar1114 wrote:

My scores have improved so much. just got my FICO socres for all 3 and  i am at EX: 675 EQ:668 TU: 638. I have lates showing up on EQ but once that gets fixed because its wrong  i am sure the score will go up. i am 2 points away from my 670 which i started in jan before my app sprees. 


May I ask is where did you get your scores?


EQ was from this site. EX was BoA Lender Pull ( SP for now) not showing up yet. TU walmart.

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 11 of 18
MarineVietVet
Moderator Emeritus

Re: Cards.?


@afbar1114 wrote:

@MarineVietVet wrote:

@afbar1114 wrote:

My scores have improved so much. just got my FICO socres for all 3 and  i am at EX: 675 EQ:668 TU: 638. I have lates showing up on EQ but once that gets fixed because its wrong  i am sure the score will go up. i am 2 points away from my 670 which i started in jan before my app sprees. 


May I ask is where did you get your scores?


EQ was from this site. EX was BoA Lender Pull ( SP for now) not showing up yet. TU walmart.


Excellent!!

Message 12 of 18
afbar1114
Valued Contributor

Re: Cards.?

My scores are great now. Can't wait to get that neg fixed . Maybe adding a new card isn't a good idea
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 13 of 18
pizzadude
Credit Mentor

Re: Cards.?


@afbar1114 wrote:
My scores are great now. Can't wait to get that neg fixed . Maybe adding a new card isn't a good idea

Did you end up closing out your ZYNC ?  Or did you leave it open ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 14 of 18
afbar1114
Valued Contributor

Re: Cards.?

I may leave it open until the next ad hits
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 15 of 18
Anonymous
Not applicable

Re: Cards.?

Same exact advice as it always has been. New post.

Message 16 of 18
afbar1114
Valued Contributor

Re: Cards.?

Meaning?
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 17 of 18
emptypockets
Valued Contributor

Re: Cards.?


@afbar1114 wrote:
Meaning?

You should work on getting whatever negative you have off your EQ reporrt, and fixing your TU report (what is causing your score there to be 30 pts lower than your others?), and continue to use your other cards responsibly, and keep the utilization low (Garden) for several months until your score increases enough to get the Prime cards you want. It is unlikely that you will get a CSP in the next 6 months with scores below 700. Every time you apply again, it is affecting your score more. Put some time between the pulls, and let your score recover, and you will be in a good postition to get better cards and limits.


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 18 of 18
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