@BlindDog wrote:
Lol, I do have derogatories. I literally listed them above. I'd have to go look at my report for the exact age on each of them, but things really came to a head for me in early 2020, prepandemic, actually, so the newest of them are from that time-frame
Take my word for it that I don’t have the income right now to meaningfully work at the approx 20k in collections.
If I need to just keep being patient with the cards and CLs I have, I'm completely fine with that.
Really, I had just been asking CreditOne for a CLI every month( and getting denied) with hopes that the card util % boost would help improve my score, but wanted to know if I was wasting my time in making those monthly attempts.
Probably, a CLI wouldn't help anyway because there's no score change if I go from 70% card util one month to 30% the next, or vice versa.
Many of the collections are approaching or beyond the SOL in my state, so, barring a significant increase in income, I have little incentive to attempt paying them down, let alone the means.
Gotta be patient, I guess. Thanks guys!
Also, aside from hoping for a score boost, even getting a CLI to make my limit $600 would be, just, helpful insofar as I could actually use it to pay bills. While I know I should feel lucky to have gotten approved for a $300 unsecured limit, it would be nice to be able to pay an entire, say, electric bill in a single transaction on that card 😆
Being patient will not help you. Paying your debts will help you.
Credit Scores: (FICO 8) 850 Experian August 2025, 847 TransUnion August 2025
Credit Cards (newest to oldest): U.S. Bank Cash+ $17,300 | NFCU Platinum $25,000 | BECU Cash Back $12,500 | American Express BCE $9000 | Simmons Bank Visa $7500 | Capital One Quicksilver (PC/upgrade from No Hassle Miles Rewards) $5000
