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BungalowMo, I'm in California.
Haulingthescoreup, thank you for the advice. I'm fairly new to the forum and am trying to repair the damage I did to my credit when I filed Bankruptcy in 2004, discharged 3/2005. I haven't had any lates since then but after reading the credit card boards today, I think I should concentrate at lowering my utilization to raise my scores before I app for new credit. If/when Chase cancels my flexible rewards card, I can deal with it then. Bringing down my utilization can only help from what I've read here. Thanks again.
@RachelRachel wrote:BungalowMo, I'm in California.
Haulingthescoreup, thank you for the advice. I'm fairly new to the forum and am trying to repair the damage I did to my credit when I filed Bankruptcy in 2004, discharged 3/2005. I haven't had any lates since then but after reading the credit card boards today, I think I should concentrate at lowering my utilization to raise my scores before I app for new credit. If/when Chase cancels my flexible rewards card, I can deal with it then. Bringing down my utilization can only help from what I've read here. Thanks again.
Most banks and CUs in California pull Experian. In fact, I don't know of any CUs based in California that don't pull EXP. The only EQ pulls that I am aware in California are Alliant CU, Cabela's, GEMB, and Krogers.
Getting down your UTIL is a very good plan and totally under your control.
It sounds like Chase did convert your card to a rewards card after the WaMu takeover. They might just leave your alone!
@fused wrote:
I live in Hawaii and CITI "sometimes" pulls EQ
CITI is an EXP puller in California.