I've focused on getting my credit squared away this year. With rehabbing my student loans and working to get a CO(HSBC) and CA(LVNV) removed, those are the only derogs I have that are truly affecting my score right now. My auto loan just reported for $3800, and I just opened up 4 new card accts(NFCU, JCREW, VS, EXPRESS). I already have two CAP1 cards. Total CL is $11900. The new cards haven't hit my reports yet, but when they do, what affect will that have?? The only balance im holding right now is my NFCU CARD. My utilization will be at 4%, but will that be offset by the new accts??
Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
