Thanks everyone for the great advice!!! I gues utilization must be my issue.
Just for some clarification, DTI is not an issue.
I run most of my life expenses through my AMEX, (Landlord is overseas and requested i pay him through Paypal and he takes the hit on fees so that works for me).
I would love to run more money through the amex blue cash card, but my issue is that most of my purchases are above $2k and my limit on that card is 2k ( i use my cc to buy inventory for my business), beyond this, it pretty much is a gas card and some groceries, although my Girlfriend for the most part takes care of shopping expenses.
I tried to do the amex 3x CLI, and their reasons for not giving it to me were (too many inquiries, credit score, short history). I tried to get someone on the phone who could answer my questions, or someone I could reason with by simply asking them to review all my accounts. The way i see it, if I'm capable of paying in full over $60k collectively to amex per month, why would they be hesitant to give me $6k on a card that i can pay over time?
I'v never had any issues buying cars; im at the point now where i get automatic approvals with no Proof of income needed on $100k plus cars.
Reasons for a lot of inquiries were from a recent car shopping experience; ran about 5 hard pulls on my credit, but i was under the impression that these all count as 1 inquiry (it was between 2-3 days).
Now, the reason i am trying to get my score up is that this year is the year where I begin homeshopping. Lender advised I not apply for a loan until i get over 770.
I'll give cap one venture a shot. I wish i could get into NFCU, but i am not related nor know anyone who was in the navy. I don't want to do this until I get i hit the 3 month wait period for the amex 3x cli though.
I do have 1 success story that I'll share with you guys. I called discover this morning and asked to have my limit increased. the lady advised me that it would be a hard pull; i said fine. she said she needed to call me back on the phone number linked to my account (good sign). Upon picking up that call, she asked me a few more questions to verify my account, followed by a congratulations, you got approved for a $500 Credit limit increase. I literally flipped out on the poor girl over the phone and told her i how pissed I was taking a hard pull for a measily $500. My yelling and ranting got a lot of appologies from the rep, and she finally said that she would put me on a bried hold and see what she could do. I get put on a 5 minute hold, and she comes back with another congratulations speech, but this time, they bumped me to $7600. Not bad from SL of $3300.
