New to site, with newbie questions

[Anonymous]

7

[Anonymous]

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@Anonymous wrote:

7

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Then you shouldn't expect to see any appreciable increase in your credit scores until 10 years after your filing date.  The good thing though is that it appears that you have a solid base of cards to work with.

[Anonymous]

Filing date was Jan. 2009, so the ten year mark is two months away.

[Anonymous]

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@Anonymous wrote:

Filing date was Jan. 2009, so the ten year mark is two months away.

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You should be able to request early exclusion from the credit bureaus; you'd certainly see a bump in your scores.

[Anonymous]

Just a suggestion, if you're not using or benefiting from the other cards, I would first close Green Business to save AF, then I would try to PC one of the QS1s to QS (or a none AF like VentureOne) then combine the remaining QS1 into the PCed card, if PC options aren't available to you, at least combine QS1s so you don't pay 2 AFs. 3 cards are enough to put you into 800s, don't pay AF for absolutely no reason whatsoever.

[Anonymous]

My company pays for the Green Business card, so that's not an issue.

I'll assume I can just call C1 and request these PCs?

[Anonymous]

Yes, call CapOne and ask for PC options for the one you want to keep (probably the older one for age).

[Anonymous]

Just PC's one of the QS1 to QS, and will ask about combining the remaining QS1 into the new QS.

[Anonymous]

Congrats, you're lucky, QS1 can be very hard to PC out of, especially recently.

[Anonymous]

Thanks.  Also, will I be dinged if I move the remaining QS1 into the newly PC'd QS, and close the QS1?