Right now I am working really hard to get my utilization down that is now hovering at 50%.
In combing my CR I noticed that a GEMB/Thomasville card w/ 15K limit was closed 9/08 in good standing. Never late. I think they closed it when I got credit at Sleepy's which is also GEMB, because it shows closed the same month Sleepy's was open. Sleepy's still open no balance, no lates.
I'm wondering if I shop at Thomasville (for a small item!) ask to put it on credit, if they will reopen the card with the credit limit?
1. Will they make me re apply?
2. Will it result in a hard pull?
3. Will my 2 baddies effect their decision? 1 30 day late 6/09 and 1 released tax lien
Or will they only look at score? EQ - 684
4. Does recent adverse action effect anything? In May BoA CLD my card with them, resulting in 50% util.
Is it worth it to get util down?
