Silly mistakes from a newbie

[Anonymous]

I am new to credit and have made some mistakes and would love to get veteran advice

Here is the short verison:

FICO® Score 5/19/15  

Experian 557 13 inquries 

TransUnion 562 12 inquries

Equifax 538 11 inquries 

Late only 1 time for 1 card

Oldest Account

1.2 year(s)

   

Average Account Age

0.8 year(s)

DISCOVER 1500 

Credit one bank 300

First Preimer 700

Quciksilver Capital One 1000

Journey Capital One Student card 500

Capital One 500

Capital One 500

Barclays 500 

Report shows 87% Utilization but by the time the next reports shows it will be 50-60% 

What is my best and fastest move in order to get 10-15k+ in CC 

Thanks 

[Anonymous]

---

@Anonymous wrote:

I am new to credit and have made some mistakes and would love to get veteran advice

Here is the short verison:

FICO® Score 5/19/15  

Experian 557 13 inquries 

TransUnion 562 12 inquries

Equifax 538 11 inquries 

Late only 1 time for 1 card

Oldest Account

1.2 year(s)

   

Average Account Age

0.8 year(s)

DISCOVER 1500 

Credit one bank 300

First Preimer 700

Quciksilver Capital One 1000

Journey Capital One Student card 500

Capital One 500

Capital One 500

Barclays 500 

Report shows 87% Utilization but by the time the next reports shows it will be 50-60% 

What is my best and fastest move in order to get 10-15k+ in CC 

Thanks 

---

I'd be paying off some cards and then close the Credit Bum (One) and Worst (First) Premier cards.

[Anonymous]

That is already in the works, I could pay off all cards in a month or two if I didnt put money anywhere else but the simulator on experian said it would only bump it up to a 620-630 range

[Anonymous]

Negatives on reports?

[MarineVietVet]

---

@Anonymous wrote:

I am new to credit and have made some mistakes and would love to get veteran advice

Here is the short verison:

FICO® Score 5/19/15  

Experian 557 13 inquries 

TransUnion 562 12 inquries

Equifax 538 11 inquries 

Late only 1 time for 1 card

Oldest Account

1.2 year(s)

   

Average Account Age

0.8 year(s)

DISCOVER 1500 

Credit one bank 300

First Preimer 700

Quciksilver Capital One 1000

Journey Capital One Student card 500

Capital One 500

Capital One 500

Barclays 500 

Report shows 87% Utilization but by the time the next reports shows it will be 50-60% 

What is my best and fastest move in order to get 10-15k+ in CC 

Thanks 

---

Hello and welcome.

You have a duplicate thread that I put in Business Credit because you mentioned "so I can run my business off of 1 card not 7 that I have now".

Cross posting is highly discouraged but allowances are made for new posters.

Which of the two threads would you like to keep?

[Anonymous]

please keep this one only sorry It was moved for some reason so I didn't know what happend.

wont happen again.

keep this one only

thanks

[Anonymous]

None besides a late 30 days for one card on the report

[Anonymous]

---

@Anonymous wrote:

None besides a late 30 days for one card on the report

---

Which card....

Try to goodwill it.

[Anonymous]

No more inquiries lol. And the credit simulators usually suck. I had a utilization of about 65% a few months ago. When I ran the simulator on CK, CS, and Cap One, all told me that paying it down by approximately half would result in an increase of 5-20 points. In actuality, when I paid down to 30% over two months, my credit scores jumped 50-60 points.

[Anonymous]

credit bum (one)