For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.
Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.
With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance
...
@Anonymous wrote:For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.
Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.
With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance
re the liens, yeah some of this is a gift - I think keeping a lease in play and old stuff kept my scores up somewhat. If you feel this post should go in the re-building area please move it. with respect to the chase card, or adjusting my rotation is it pointless - should I just use the cards and lets the chips fall as they may? My current plan was to put 1K on the FU and primarly use the PRG. Again, my goal for that card is a higher CL. again if I am overthinking this I apologize, I just want to maximize my efforts given the contraints of my situation. many thanks sir, be well...
@omfgpart2 wrote:
@Anonymous wrote:For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.
Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.
With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance
re the liens, yeah some of this is a gift - I think keeping a lease in play and old stuff kept my scores up somewhat. If you feel this post should go in the re-building area please move it. with respect to the chase card, or adjusting my rotation is it pointless - should I just use the cards and lets the chips fall as they may? My current plan was to put 1K on the FU and primarly use the PRG. Again, my goal for that card is a higher CL. again if I am overthinking this I apologize, I just want to maximize my efforts given the contraints of my situation. many thanks sir, be well...
Chase likes to see heavy usage. Roughly how much do you spend on your credit cards a month? Adjusting rotation for Chase will work. Chase relies heavily on their internal scores. So use the card heavily and keep paying it off.
By doing so, you will be getting CLIs [although they can be stingy with it] but it happens and I can attest to it.. If after six month you don't see them giving a CLI, you can request an increase to a specific amount but that will result in a hardpull to honor the request.
From closer to 90220 (Compton) 
I say welcome as well
As far as the tax liens go (Ca. and Feds) they will keep your scores down (age helps a bit)
however some lenders really care...meaning automatic 'heck NO' ( like DCU)...while others like NCFU/USAA have seemed not to give a rip
(Navy 40k worth of unsecured lines and a car loan ...USAA = Visa siggy + Rate 'advantage' + AmEx w/ rewards all on 1 HP)
DCU not even $500...so the tax lien thing can be a hot/cold issue depending on the vendor...
Congrats on your rebound
@Anonymous wrote:
@omfgpart2 wrote:
@Anonymous wrote:For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.
Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.
With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance
re the liens, yeah some of this is a gift - I think keeping a lease in play and old stuff kept my scores up somewhat. If you feel this post should go in the re-building area please move it. with respect to the chase card, or adjusting my rotation is it pointless - should I just use the cards and lets the chips fall as they may? My current plan was to put 1K on the FU and primarly use the PRG. Again, my goal for that card is a higher CL. again if I am overthinking this I apologize, I just want to maximize my efforts given the contraints of my situation. many thanks sir, be well...
Chase likes to see heavy usage. Roughly how much do you spend on your credit cards a month? Adjusting rotation for Chase will work. Chase relies heavily on their internal scores. So use the card heavily and keep paying it off.
By doing so, you will be getting CLIs [although they can be stingy with it] but it happens and I can attest to it.. If after six month you don't see them giving a CLI, you can request an increase to a specific amount but that will result in a hardpull to honor the request.
There we are the meat of it! I will spare you the details but I can put client expenses through my cards and get reimbursed if it will help my cause. I have not done this thus far. They don’t care so it’s an option. The amount I put through my card, now cards can really vary. You tell me how much to run against what card and I will make that happen. Tell me how much to put on chase and what to do with the other cards and it will be done. Thank you very much for your time, I very much appreciate it.
@omfgpart2 wrote:
@Anonymous wrote:
@omfgpart2 wrote:
@Anonymous wrote:For someone with those tax liens, you have good approvals. The most important thing is you are moving forward. These things happen and there is nothing to be ashamed about. With the new accounts and decrease in AAoA, your scores will be affected hence, where they are now.
Here is the plan... Don't apply for any new cards soon. Based on the initial post, it looks like your needs will be better served with travel cards. But those can wait... Instead, find time and read the re-building sub-section here. It has a wealth of knowledge.
With time, you should be able to get your credit to where you really want it to be. Hang in there and good job in seeking assistance
re the liens, yeah some of this is a gift - I think keeping a lease in play and old stuff kept my scores up somewhat. If you feel this post should go in the re-building area please move it. with respect to the chase card, or adjusting my rotation is it pointless - should I just use the cards and lets the chips fall as they may? My current plan was to put 1K on the FU and primarly use the PRG. Again, my goal for that card is a higher CL. again if I am overthinking this I apologize, I just want to maximize my efforts given the contraints of my situation. many thanks sir, be well...
Chase likes to see heavy usage. Roughly how much do you spend on your credit cards a month? Adjusting rotation for Chase will work. Chase relies heavily on their internal scores. So use the card heavily and keep paying it off.
By doing so, you will be getting CLIs [although they can be stingy with it] but it happens and I can attest to it.. If after six month you don't see them giving a CLI, you can request an increase to a specific amount but that will result in a hardpull to honor the request.
There we are the meat of it! I will spare you the details but I can put client expenses through my cards and get reimbursed if it will help my cause. I have not done this thus far. They don’t care so it’s an option. The amount I put through my card, now cards can really vary. You tell me how much to run against what card and I will make that happen. Tell me how much to put on chase and what to do with the other cards and it will be done. Thank you very much for your time, I very much appreciate it.
Ok... Just run as much as you can through it and pay it down before statement cuts so that it is not looking like you are maxing out the card. So if you can run $4,000 a month on a $6,000 limit, you will be fine and should be able to get a CLI.
If you like Chase, another thing that can help you alot also is if you have a banking relationship with them. If you have a Chase bank close to you, I suggest you do some research and see if you can do some banking with them. Once you have that established, you banker can also help you tremedously when it comes credit products.
Chase can be very good if you just abide by their rules. Personally in ranking for me when it comes to banking and CC, Chase is #1 for me because when I was starting out they took me in [one particular banker made time every time to explain and address my needs. I'd need a small favor and they'd honor it] and have been phenomenal to me since.
So treat the card well and you will be very happy.
@Anonymous wrote:From closer to 90220 (Compton)
I say welcome as well
As far as the tax liens go (Ca. and Feds) they will keep your scores down (age helps a bit)
however some lenders really care...meaning automatic 'heck NO' ( like DCU)...while others like NCFU/USAA have seemed not to give a rip
(Navy 40k worth of unsecured lines and a car loan ...USAA = Visa siggy + Rate 'advantage' + AmEx w/ rewards all on 1 HP)
DCU not even $500...so the tax lien thing can be a hot/cold issue depending on the vendor...
Congrats on your rebound
Hey neighbor! http://www.barandque.com/ that is all. LOVE this place. Slightly dangerous area to me, maybe that makes it taste all that better
Thanks for the comments, mucho appreciate it. I know dealing with the tax folks is the next phase. Actually there is a ton of info in the rebuild area, good call by YIM.
So it seems like I just lucked out of what to app for ha-ha – I had a chase mortgage in the past. It was pretty fat so my hope was that there would look at that if I had to recon it when I got the fu. Hoping the same if I ever get a csp in the future. Ditto with amex, we go way back and I never burned them. Actually only boa got a little torched in my meltdown.
What I gather is that I need to work over the fu like I did with my qs and it should cli at some point. With that and letting my stuff age my scores should come back up a bit and then deal with the liens.
Does having a collection fall off help? DOLA is 10/2010
Thanks again amigo, take care now