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Credit milestone !

RSX
Valued Contributor

Re: Credit milestone !

Congrats! - that is great

 

personally i would go for 1 good card - Chase (if under 5/24)  -  Citi - PenFed

 

then i would close the cards i noted below

 

you have a good mix - but you are spreading your spend around too much (likely)

so if you pare down the starter cards, you can focus spend on a couple of cards to initiate a CLI - then switch to some other cards - rinse and repeat

 

 

 

 

Victoria Secret $350 - Close
Amazon Store $400
OpenSky-$400 - Close
NFCU Secured- $550 - Close - since you have 2 othert NFCU - unless it is close to graduating
Mission Lane- $750 -Close
Apple Card- $850
Jasper- $1000
Amex Delta Gold- $1000
Amex Blue Cash Everyday $1000
NFCU Platinum- $1000
Merrick- $1100 - Close
Aspire MasterCard - $2000
Sofi MasterCard- $3500
Capital One QS- $5000
Overstock- $6500 - Close
NFCU More Rewards AMEX - $6500
Amex Green - NPSL
Amex Gold-NPSL

Dec 16/2019. EX. 721. EQ. 723. TU 746
Dec 29/2021 EX. 734 EQ. 739 TU 746
Aug 3/2023 EX. 765 EQ. 740 TU 751
Inq. EX 2 EQ 6 TU 6 - - CC 3x24, 1x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Boundless $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $29.5k - PFCP - $13k - PayBoo - $13.6k - Penfed Gold - $12.5k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $8k
Message 11 of 16
Sanjo812
Contributor

Re: Credit milestone !

Congratulations! Good that the CO fell off. I'm not sure exactly what the best move is with your 740, but just continue to build responsibly. 

Eight Twelve Consulting
Message 12 of 16
Dp23
Regular Contributor

Re: Credit milestone !

Congrats on your rebuild. My last charge off falls off June 18th, I will try to EE it before that

Message 13 of 16
DarlingNola
Established Member

Re: Credit milestone !

Congratulations @Conraddj 🎊🍾🎈

 

I know from personal experience that playing the waiting game is hard, so I know you've got to be excited! I recently had my last CO fall off 2/3 of my reports as well. 


Current FICO 8 | 9 Scores (3/2022):

Credit Age:

Inquiries (6/12/24):

Message 14 of 16
Conraddj
New Contributor

Re: Credit milestone !

You suggest I keep the Amazon store card open? 




OpenSky-$400 | Mission Lane- $850 | Jasper- $1000 | NFCU Platinum- $1000 | Merrick- $1100 | Amazon Prime Store $1200 | Aspire MasterCard - $2000 | NFCU Secured- $2000 | Apple Card- $2100 | Amex Delta Gold- $2000 | Sofi MasterCard- $3500 | Capital One QS- $5000 | Aspiration $5000 | GM by Marcus GS $5500 | Amex Blue Cash Everyday $6000 | Overstock- $9500 | FNBO Evergreen- $11,300 | NFCU More Rewards AMEX - $14,500 | X1- $19,000 | Macy - $20100 | Amex Green - NPSL | Amex Gold-NPSL
Message 15 of 16
RSX
Valued Contributor

Re: Credit milestone !

keep it open Only if you use it on Amazon.   Otherwise it would also be a good one to close

 

 

Dec 16/2019. EX. 721. EQ. 723. TU 746
Dec 29/2021 EX. 734 EQ. 739 TU 746
Aug 3/2023 EX. 765 EQ. 740 TU 751
Inq. EX 2 EQ 6 TU 6 - - CC 3x24, 1x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Boundless $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $29.5k - PFCP - $13k - PayBoo - $13.6k - Penfed Gold - $12.5k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $8k
Message 16 of 16
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