Best way to get multiple credit line increses (need help)

[Anonymous]

7k isn't a ton of debt in the grand scheme of things.

If it's proving problematic to pay off 7k while you currently have no mortgage, I fear that having a significant mortgage could really send you into dangerous territory.

I think some tweaks to your budget and knocking this debt out on your own first will both: 1) raise your scores for the loan 2) let you evaluate the amount of mortgage payment that will work in your budget without getting you into trouble.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Snychrony cards grow fast! lowes not so much but walmart master cards ect start oyr with good SL and grow fast....they help my untilization a alot.

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Catch 22 situation....

I want the refi to pay off the 7,000 cc debt and make some much needed repairs.

I have offers from Walmart,etc.But I figured to raise limits from the good cards that I have...

I joined MyFico to work on my credit in order to refi....2 years now

The house is debt free...Worth a lot...but old with additions that are not up to code....

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I took the hit and added some Syncrhony bank cards because they grow so fast....what you owe is 30% of your score so it hurt awhile but My Fico scores rebounded really fast....my Chevron visa went from 1500 to 10k in one year same as my walmart mastercard....so even though I don't use them much that's 20k in untilization righ there....every credit profile is different and as different goals. good luck.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I have had the AMEX for about a year,,..never use...would the 3x CLI work without usage?

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It's a bad idea to obtain a card and then not use it within the first 90 days.  Cards that have never been used even once are at a high risk of being closed by the issuer.

Youn should use that card very soon.

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I will use it.....

Thanks for the reminder....you have given great advice today , I have noticed