Need Advice Please !!

[Anonymous]

Thanks for that information, of that quantity, half, or probably less are from this year, trying to obtain building tools.

[Anonymous]

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@Anonymous wrote:
The two loans, one my Credit Union, second at Self Lender were both done to get a credit mix, and yes if I pay them it puts payment at a future date, so any extra payment comes off front of these. On equifax I have 4 inquiries, TU I have 19 , Ex showing 15. AAoA on these are Ex 4 yrs, TU 5 mths, Eq 1 yr 4 mths, I use MyFico for scores as well. First choice is scheduled for payoff 5 days prior to statement, discover and fingerhut and capital one all are at 0 so I need to alter to leave balance of 5.00 on one before they all report between October 25th and November 10th, I can pay these Builder loans off on 20th, I think it's best idea if will help scores. Thank you for your input.

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Here's a tip for you RE: Fingerhut: after you've been with them for awhile they'll send you a "Congratulations, we have increased your CL by $X,XXX!" notices in the mail.  The catch is that you have to charge that much by X-Date or you lose it.  It takes a toll on your FICO score everytime they reduce it if you don't take the bait but it's also a good thing to get a CLI.  Point I'm getting at is, when you close the account make sure you do it right after your CLI is being reported so it'll show your high credit limit on your CR vs the smaller one.  Just an FYI based upon personal experience.

[Anonymous]

I will wait for CLI and then as soon as I'm not using it at all to help, pay it off right before statement, let it report 0.00 on higher limit, and request to close ? That correct ? Probably won't see increase on CLI for awhile I'm thinking.

[Anonymous]

Yep, that's what I'm saying

[Anonymous]

I gotcha, hoping for good CLI on Discover December so may can get that fingerhut gone before long I spent like 32 bucks, paid it, as soon as showed, don't know if that's enough activity for them, but new revolving account out of fresh start so I will keep fingers crossed, trying to anything helpful, got 5 months to go to underwriting, 6 to close I hope, hate to not be ready.

[Anonymous]

Got one more c/o paid, Honda financial and they put closed - paid with current status, hoping that helps as well. Should be getting some pretty recent inquiries removed as well, were some the executive department of experian and transunion are helping with that were not recognized. Between 10-12 total less then year old and 10-12 about year or so as well.