You're on the right track. First, though, you say your EX score is the lowest. Unless you have purchased all three of your FICOs from myFico, you have no way of knowing that. Seems you're still believing TrueCredit when they tell you your EX is lower than the other two.
techgirl wrote:I've read the credit scoring 101 and looked around a bunch. I think I need to watch the score that is currently the lowest -which is EX. Score Watch just does Equifax and my score isn't too bad with that one - in actuality, I would like to have one product that gives me all three scores and all three credit reports that I can rely on.I have three credit cards. I will pay all of them down and try for a credit card like AmerEx - I really don't use them like credit cards - I bought land with them - I hate shopping at stores... I know, credit cards only look at the bottom line - I need to get those cards down. CUs won't lower interest rates. Only one of my CU will increase CLs.I also need to look at refinancing my house sometime next year - so gotta get those cards down!Should I refinance my house first or go for a credit card when all of my existing ones are paid off?Thanks everyone for your input.
techgirl wrote:Good advice. Thanks! I went to the products, which product do you suggest for the score?
I went and played with the Simulator - How about one of the questions I asked earlier - with my credit scores:TU - 711EQ - 689EX - 721Wouldn't it be wise to look for another credit card at 0% for transferring my balances off of the credit card onto the 0% card and then pay it off? This would then enable me to have a higher credit ratio and give me a lower interest rate at the same time???
I got kinda the same message!It said I have too many cc's with low limitsMy highest limit is $1300 Wamu!