Close Rebuilders ? .. Made it to Prime *Updated*

[Anonymous]

Been Lurking here for a few months ... Quick history   started building credit   02/11   Cap One (Sec) 500/600, Orchard 300/600, FP 300/450, Credit One 300/500 all within a month or 2 .... (wish I found this forum sooner)   Walmart 500/1200, Kay 3000, Dillards 300/500, DELL 1000.    No bad marks or lates at all on credit report. Always PIF. One car paid off and a current note. 

Anyways,  I was in the Navy and had an account with NFCU back in the day ... was able to visit a branch and get it reopened 2 weeks ago. (without credit pull )

Applied today for NFCU Rewards Card .....  Instant online approval for 14,000     So decided to apply for Discover More today Instant online approval  2700

Also applied for Chase Freedom   got the further review message ... going to give the backdoor number a call later..  

I should cancel all 4 of my starters .....Right?    Or keep them until the annual fee is coming up to build my AAoA ?

myFICO  EQ - 663    Walmart TU - 729     AAoA 1yr            NFCU Pulled TU  Discover EQ    Texas

[Anonymous]

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@Anonymous wrote:

Been Lurking here for a few months ... Quick history   started building credit   02/11   Cap One (Sec) 500/600, Orchard 300/600, FP 300/450, Credit One 300/500 all within a month or 2 .... (wish I found this forum sooner)   Walmart 500/1200, Kay 3000, Dillards 300/500, DELL 1000.    No bad marks or lates at all on credit report. Always PIF. One car paid off and a current note. 

Anyways,  I was in the Navy and had an account with NFCU back in the day ... was able to visit a branch and get it reopened 2 weeks ago. (without credit pull )

Applied today for NFCU Rewards Card .....  Instant online approval for 14,000     So decided to apply for Discover More today Instant online approval  2700

Also applied for Chase Freedom   got the further review message ... going to give the backdoor number a call later..  

I should cancel all 4 of my starters .....Right?    Or keep them until the annual fee is coming up to build my AAoA ?

myFICO  EQ - 663    Walmart TU - 729     AAoA 1yr            NFCU Pulled TU  Discover EQ    Texas

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I would close them based on AF.   But, It does not really matter w.r.t. AAoA.  

[Anonymous]

I agree with Wolf, definitely close them based on fees.  Your util will not be affected since your new card has a nice CL.  Your AAoA will not be hurt except by the opening of the new accounts, the rebuilders are supposed to stay on your credit and affect your AAoA for 10 years. 

Enjoy your new benefits

[Anonymous]

Thanks !     Feels good to close Credit One and First Premier , no more monthly fees.... lol   Time to garden after app spree today and try for AMEX next year.

[Anonymous]

congrats on that nice limit with nfcu

[MsLadyRover]

Congrats on all your new cards!

[Repo-ed]

Grats!!

Close the sup-primes

[Anonymous]

Thanks !!      UPDATE       Called Chase Freedom recon number,  initially denied due to 18 inquiries, and AAoA.......

After further review came back with approval for 2500.

Discover More limit was increased from 2700 to 3500  when I checked it today ....  kewl 

Time to garden for a while.

[Anonymous]

Cancelled my 4 rebuilder cards today ..... Was feeling lucky and decided to apply for AMEX Zync.    Was approved instantly online with NPSL  .

First AMEX ...    I am really done now.      No more apps til 2014       The itch has been scratched....  LOL

[Jake0215]

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@Anonymous wrote:

Cancelled my 4 rebuilder cards today ..... Was feeling lucky and decided to apply for AMEX Zync.    Was approved instantly online with NPSL  .

First AMEX ...    I am really done now.      No more apps til 2014       The itch has been scratched....  LOL

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how many INQ's on EX?