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Credit Card advice

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Established Contributor

Re: Credit Card advice

^^^^^


@NRB525 wrote:

@CreditCuriousMD wrote:

@BillyBob2 wrote:

Have you pulled you credit report?


I did the 3 report and score one time purchase.  

 

It said my Fico scores were 741 on Equifax, 773 on Trans Union and 754 on Experian 

 

I do not have any inquiries showing on any of the reports.


Very nice scores. If you are considering any major credit app like a mortgage, do not do any credit card apping. You have enough card credit, your scores are in excellent shape, and all you will do is drag them down for half a year by applying for any credit that is not your main objective.

 

Good luck on the mortgage shopping! Take your time to shop first before committing to any "Let's check your credit" suggestions.


 


Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 830 to 848
INQUIRIES: 0
UNIVERSAL REVOLVERS: $200K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
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