Help me Get a better card please

[jjbryant3]

eep sorry i waned to add these scoress are fico8 scores from myfico 3b membership. thank again guys this is a great community and really appreciate all the advice and help i am getting

[Vegas4Play]

The reductionin utilization is awesome !!!! congrats on that i would personally remove, JMO..... the accounts are only 10 months old and if you do not need them for Age of acconts purposes and, and the reason of not having any credit accounts report on your own profile at ALL ( neither of which is your case ) I would remove. Build your profiles seperately and then combine later of you choose to when you have better cards.

Being Au on her cards is not benefiting you right now.

Your scores if they change will be a couple days after your statement cuts when each of the  accounts are updated, on each of the bureaus...Transunion is slowest to update like 7-10 later.

You are heading in the right direction just a little more patience....Congrats on the discover card.

*** with her new accounts ( 10 months ) it looks as if you have many new accounts (under 2 years old)...to some lenders scoring systems so you may see the too many accounts opened recently in reasoning (being witin the last 2 years).

[Creditplz]

Close the premier bank cards... Nothing good ever comes out of those. Get yourself a secured card rather then those, try BofA.

[Dahlia77]

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@jjbryant3 wrote:

misun derstanding i wasnt wanting or expecting a prime card with 6k CL, i didnt want to close the sharks until i had a CL to max the shark cards. btw i woke up to a 20 point exp bump this morning cause one of the sharks i paid to 0 reported. so now im at  EQ 598 TU 620 EXP 615. EQ nor TU has reported the balance of this one shark card yet, and i still and a few more cards that are due to report. if this is teh trend with paying high limit cards down to 0 i should be sitting real close to 650 across the board in july. and Auguse i am due a 500CLI with that merrick card on the 18th i believe. My hope was getting the QS1 to grow. for instnce if they gave me a 300 limit one FP closed until it grew to 1k then the next card gone, 1700 all 3 sharks closed. unless we consider merrick a shark card which i actually seem to think it's decent minus a little high APR compared to my cap1 and discover. and Fingerhut well i just like them. If you make money and buy something and do multiple payments paying off they seem to like me back. I will wait and see what EQ goes up to they aare the only score below 600 now

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My bad - understand what you're saying now and that sounds like a very reasonable expectation.  Good luck!

[RonM21]

As some others already said, I'd close some of those bad cards as soon as it seems reasonable. You don't want them any longer than needed.

[jjbryant3]

scores are now EQ 619 TU 622 EXP 620 i also had two charge off from 2009 come off today from exp they dropped them early for me. i did the pre qualify and still gives me secured offer. too scared to just apply but i would think i would get it. thoughts? also i will be getting more bumps as not all my cards i paid off have reported quite yet

[Anonymous]

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@jjbryant3 wrote:

scores are now EQ 619 TU 622 EXP 620 i also had two charge off from 2009 come off today from exp they dropped them early for me. i did the pre qualify and still gives me secured offer. too scared to just apply but i would think i would get it. thoughts? also i will be getting more bumps as not all my cards i paid off have reported quite yet. 

This is my theory .. some of the prequals are not from quote un quote today .. but from an early pin point of time. 

So that today you can have had your score jump up to 820 and do a prequal... and still not get it until a future time. 

If those baddies are off... and your utilization is down... income decent.. 

You could give it a go.. 

Either way .. let us know. 

[jjbryant3]

Hi Bella, thank you I think i will wait just a bit longer and let all my cards report my UTL and get as many points as possible. Last thing i want is a 300 CL if i could wait a bit longer and have 500 or even 1k to match my 2 year old secured cap 1. I know I am being impatient it's only because i hate the premier and credit one cards with a passion, granted paying the one off gave me like 20+ points which was nice. TU has not shown it yet

[jjbryant3]

i have a question for you pro's. I had a collection which i disputed as not mine because it is not mine but in fact owed from a work comp injury pop back on my exp today. i got the notification, disputed and within 20 minutes e mailed i had my results which was deleted. It dropped my score 10 points. I asked the nice man about that and he said it would go back up 10 points because it was removed and caused the drop. is this true? I have not gotten it back up on myfico yet. but the same conversation we went over my file and he deleted the 2 chargeoffs and 4 HI that were dupes. does it take myfico a day or so to show the jump back up again? i hope i didnt lose 10 points over false collection that was taken off right away. i was furious!

[Anonymous]

Weird ur score still that low for having cards for 2+ years with on time payment. Being max won't keep score low as long as it's paid for. They don't remember card being maxed unless it's not paid for. I think the balances on ur wife card is dragging ur score down