@Anonymous wrote:
Hello all!
New to the board. Spent the last several months (May to Current) fixing my credit on all fronts plus the wife's. Did very well. Average scores was 578 to 604 on the 3 CBs. Now our average is 668. I have two questions:
1) On my wife's CR she has a Mervyns account that is 0 limit, 0 balance from 2008 when the company went BK. Is it worth keeping this on her CR as it doesn't seem to helping much outside of age.
2) I have 2 First Premiers and 2 Credit Ones. The former is a PITA to get CLI without getting banged for fees for maybe a $250 increase. I'm looking at the NAVY CU card to replace one group and a accepting an offer from USAA for a reward card. I'm thinking of dropping the 2 FP cards if I can get the Navy and USAA ones. Any advice?
Thanks!
Hi, and welcome to the boards!!
On the Meryvns acct...if its a "positive" acct, dont mess it!! Leave it, its helping! Depending on when it was closed, it may drop automatically anyways from your reports. Positive accts can stay on your reports for up to 10yrs.
Have you tried the Discover and cap1 pre-qual site?? If it says Congratulations, and gives you a SET APR, and NOT a range, Id say go for it! Get rid on CO/FP as soon as you can....
