@HeavenOhio wrote:
To start with, if your friend can reduce his utilization before applying, his scores will rise, and he'll be in a better position for "better" cards. I'd suggest optimizing his score by having one major card reporting a small balance with the rest of his cards reporting zero.
Which cards does he currently have, what are their limits, and when did he open those accounts? Knowing that will help those here to offer more specific advice.
Unfortunately, I'm not privy to all of those answers...
Most of his existing accounts are NOT new, but I don't know the details.
Thanks all for the responses.
He is generally a responsible guy, I know him well and have known him for some time. He works full time hours at a part time job while putting himself through college. Seems to me that he ends up living off of credit cards during certain times of the year...then tax refund day / next semesters school loan arrives, and he pays down his debt as far as possible, just to start the cycle over again.
Upon graduation from college, he certainly expects that to change, but that's still a little bit out there in the future...
Fico 8 5/02/25: EX 817, EQ 831, TU 829.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.
Zero percent financing is where the devil lives...
