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Credit scores and my history

New Member

Credit scores and my history

Really weird: scores 674 EX, 652 EQ, 670 TU
FICO scores: 635 EX, 684 EQ, 670 TU
 A brief backgrounder:
- Had a citi student loan for 15,000 PIF never late.
- 2 1-month lates on macys account late last year/early this year
- First credit cards: Green Rewards and SPG American Express (recently upgraded to 5,000 CLI from 2,000) which I received 3 months ago
- Denied for cap1 twice for there high end card and then their straight platinum no fee card
- Total five inquiries on EX and two each on TU and EQ
- HHI: 150k-200k
- I am a New Yorker
Two questions for y'all:
1) What good credit cards can I apply for with these scores? Any specific suggestions with regards to issuers given my numbers and details above.
2) I'm trying to build my credit which has been dwindling for no reason but my own carelessness. Any suggestions on any way to quickly establish my credit? I spend a decent amount on my American Express (~3k per month, have had my cards for 3 months now) and always PIF
Message 1 of 5
Frequent Contributor

Re: Credit scores and my history

From the advice I have gotten on this board,
Maybe a goodwill letter on the macy's card to try to get those lates off, which is probably hurting you now. One way is to wait until all those inquiries fall off and stop inquiring on new credit. From what you have posted here, only time will help.....
Maybe the oldtimers on here can help more....
TU - 673 EQ - 672 EX - 669 as of 13 Nov 2015
Message 2 of 5
Senior Contributor

Re: Credit scores and my history

How many cc's do you have now? The credit limits on each, and your balance on each?
Do you have any thing in public records on your CR? (bankruptcy, judgements, tax liens)
Do you have any collections on your CR?

Here's a great website where you can plug in your scores, and it displays what CCC's gave credit:

you can find out if you are pre-approved for any of BoA's CC's here:

Score match will give you a list of CC's you can apply for, after you type in your score:

Your scores are not that bad, so you should get some kind of card. Good luck! Smiley Happy
"Never ever, ever be late. Never" (FUTR)
Message 3 of 5
Moderator Emerita

Re: Credit scores and my history

mus wrote:
2) I'm trying to build my credit which has been dwindling for no reason but my own carelessness. Any suggestions on any way to quickly establish my credit? I spend a decent amount on my American Express (~3k per month, have had my cards for 3 months now) and always PIF

A New Yawker saying "y'all"? --gotta love it!

Check your credit reports and see if they're showing the $0 PIFfed balance or the $3K current charges. If they're showing the $3K, then FICO thinks you have 60% utilization ($3K / $5K.) About 4-5 days before your CCC reports to the bureaus, check your balance on line and PIF it then. That way you'll have a $0 or very low balance showing.

As stpn2me said, GW those lates. Check on these boards for examples and how-to's--use the search box and type in GW late. It looks like you're coming up on 12-month "anniversaries" on the lates, and you'll get some score bumps then, and again at 18 months, and so forth. And obviously, no more lates, ever again.

How long ago were your inqs? They will display for 2 years, but they only count against you for 1 year. You'll get little score bumps when they age (over 6 months, etc), and again when they go over 1 year. I get the impression that EX obsesses a bit with inqs, and if so, since you have 5 with them, that would explain the lower EX FICO score. I wouldn't bother trying to get the inq's off your reports, if they're really yours. Apparently that can really blow up in your face. So in terms on the inqs, stpn2me is right--time will be the healer on them.

You'll read a lot of posts (including from me!) about having 0-9% report. You can do that, but it's pretty tedious, and it's mainly useful for a credit tune-up right before a mortgage or similar importatnt credit app. As long as you're using your card, and not sock-drawering it, it's fine to let the $0 report. Maybe let a small balance report occasionally.

Ummm, let's see, what else--if you have any non-mortgage installment loans, you might get some help by getting them down below 50%, but the loan category is not a huge driver of scores (as long as your payment history is clean, as yours seems to be.)

Learn to tune out your TrueCredit FAKO's. Yours are surprisingly close to your real scores, but they're still a distraction, and basically meaningless.

Take some time to play with the score simulators for EQ and TU. They're really cryptic, but if you have your TC report next to you (so handy showing all three reports together!!), you can get a real feel for how those little anniversaries (3 mo., 6 mo., etc.) affect your scores. And if you get the best option of pay down your bills over 24 months, a lot of us are beginning to believe that that really means, pay things down, keep them down, and most importantly, keep your nose clean for the next 2 years, which it sounds like you're starting to do.

I'll leave it for the credit card warriors as to which ones to aim for, but I would sure let your inq's cool off first. IMO, you're going to be able to get nice cards in 6 months to a year (unless there's something big and icky you didn't mention Smiley Wink), so I sure wouldn't waste time and inqs on junk cards. Sit back and make yourself attractive to the good cards. Good luck!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 4 of 5
Valued Contributor

Re: Credit scores and my history

haulingthescoreup wrote:

A New Yawker saying "y'all"? --gotta love it!

Yep- gotta love it- DH is from upstate NY outside of Syracuse- and he says "ya'll" now!! Also, he made the funniest statement one time-
he said- "I never knew winter didn't have to be so hard!"
heheheheh- we are in KY now. Military inplants up by Ft. Knox by default.
Message 5 of 5