Over the year I stopped using my credit cards, dedicated 2013 to paying them off.
I have:
NFCU cash rewards(5K) balance $0
NFCU Travel flagship(10K) balance less than $200
Macys (1.5K) less than $200
BofA ($500) unsecured. balance $300
Mortgage on auto pay since 2000
all utility bills on autopay
Annual Salary: 60K+
Never been late on any of my credit cards or bills. never have gone over the limit. Only baddie in my CR is a car payment that was late when I returned my lease(been paid off 2yrs ago) but it will stay in my report til jan 2015 I think.
Had the cc for 2+yrs
The BofA card, I never use but my wife does, she always keeps a $250+ balance but pays it on time.
My Flagship was at almost 8K back in May on a Europe trip but have been paying it off since...
So January 2013 my EQ fico was at 680 went I appd and approved by NFCU, went down to 659 in feb after getting declined by Amex, no other inquiries.. after all this time it finally made it to 679.
Will I ever reach 700+?
Does my BofA visa affects my score with the high balance?
Looking to get the Amex BCP, and another travel card
