Here's a list of what I got. Any suggestions on what to do. Close or keep open.
Credit One Wander- 2k limit 0$ balance
Ally Platinum - 1500$ Limit. 0$ Balance
Venture Cap1 (Auth User) - 600$ limit 0$ balance.
Mission Lane- 300$ limit 0$ Balance
Milestone - 300$ limit 209$ balance
Amazon Prime Store (Authorized user) - 300$ limit 0$ balance
2000$ credit union loan- just started
how am I doing?
Looks like you're doing pretty well. I'd concentrate on getting that Milestone balance down but other than that keep up the good work. What are your Fico scores like right now and how new are these accounts?
Fico right now
trans. 678
Eqx. 680
Exp. 619
fairly new. I'm bouncing back from chap. 13. My mother is considering adding me on here Cap 1. Card. She she has about 15 year history with them would that help?
For Fico scoring, it wouldn't help much, but it also shouldn't hurt... Best thing to do would be just keep doing what you're doing and let some more time pass. You're not far from 700s, but curious about the discrepancy in your EX score.
i noticed exp. Hasn't updated anything. They still show past balances. I'm waiting on them.
1 1/2 months ago
Just try not to pile up so many toy cards from predatory lenders. Those builders are not your true companions for deep waters when you are in prime territory.
Do you by any chance have an in into the NFCU? Given you TU and EQ, scores, you could do much better with NFCU.
@Ed6913 wrote:Here's a list of what I got. Any suggestions on what to do. Close or keep open.
Credit One Wander- 2k limit 0$ balance
Ally Platinum - 1500$ Limit. 0$ Balance
Venture Cap1 (Auth User) - 600$ limit 0$ balance.
Mission Lane- 300$ limit 0$ Balance
Milestone - 300$ limit 209$ balance
Amazon Prime Store (Authorized user) - 300$ limit 0$ balance
2000$ credit union loan- just started
how am I doing?
You are doing good, but I would avoid getting any more cards from banks/lenders that offer no rewards and charge an AF (ie Mission Lane, Milestone).
You are going to get to a point where those cards will not grow with you, and you will have to closed them down as their is no benefit to keeping them open (I'm currently at this stage now). That Ally card would be on the only keeper for me.
Have you looked into Discover? Rewards, no AF, and the card will grow also their customer service is top teir IMO.
