Need Help from FICO Pros ! Fine tuning rebuild

morgacj2004 · ‎08-02-2016

So I previously asked for advice on which cards to close in another post. I closed out the following with a LOT of help from MY FICO viewers. THANK YOU !

CLOSED

1. AE

2. Target

3. BR

4 Discover ( am still AU on wife's card)

5 Zales

6 BC (closed wife's ARR+ Kept mine open she is AU. X fr CL to Cash Fwd before closing

7 CO Plat

8 BC Rewards

9 Stash Visa

10. JCP

11. Texaco / Chevron

Will merge CO Venture and Venture One into QS once combo function works for me. Curr have an open ticket with CO EEO and believe it or not they have called me several times to tell me they are working on it. Have until next March to fix before AF is due at which point I will close Venture.

All in all about 53 k CL reduction All closed cards had a zero bal.

So this is what I have left with a TCL of around 125k.

ANY SUGGESTIONS on the best use of these cards now that I am at a manegable level. I need to chill out for the next 24 months at which point my BK will be 5+ yrs post BK and I can get some prem cards from CITI, CHASE, Bof A.

OPEN Cards that I am using now

1. PFCU Plat Rewards

2. Virgin Visa ( to get bonus) and hoping it will Nerf one day into an AK Air Visa ( Bof A wont give me one yet)

3. BC Arr+

4. BofA Cash Rewards

5. CITI Costco - AU

6. Amazon Store Card

7. DC -IT - AU

OPEN cards I am not using but want to keep for now

1. CITI Secured -9 months.

2. CITI Sears MC -AU

3. Blue Nile- AU

4. Kohls

5. NFCU Flagship and CLOC

6. AKUSA FCU

7. CO QS

8. BC Cash Fwd- Bal with 18 mo zero APR

9. Pay Pal Hidden line of Credit.

10. CO Venture One -AU

11. Cabelas

TCL approx 125k. Total income 115k. Spend 5-6 k per month avg. UT around 8%

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

takeshi74 · ‎08-03-2016

@morgacj2004 wrote:

ANY SUGGESTIONS on the best use of these cards now that I am at a manegable level.

That should have been part of your decision on which cards to close and which to keep open. What are you specifically asking? What are you looking to accomplish?

morgacj2004 · ‎08-03-2016

When you look at the cards I kept what is ou recc as far as a daily driver. My main spend is

1. Grocery-warehouse

2. Restaurant

3. Travel

4. Clothing, beauty, household

5. Gas

so far using Pen Fed and BofA for gas, restaurant, grocery. CITI for Costco. DC for rotating. BC for travel. Not sure where NFCU Flagship fits in. Was suggested I PC to another card to avoid AF.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550