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I'm also in the market to buy a house... After April 2016 when my BK13 falls off my report.
Threads like this is why I am glad I am not rushing into it... It's about being patient and letting my scores rise so I can get the best deal later. I'm expecting a 10 pt gain per the FICO Simulators when my card reports in a couple weeks after paying down my UTIL from 23% to 16%... May even knock on the door of 700 when I pay it down to less than 5% in the next month or two.
On a mission...
@aarono8410 wrote:
1 credit card opened 2/12 with $750 limit and a $45 balance. 3 installment accounts opened 1/13 balance $17516 opened 7/11 balance $1320(oldest account) opened 10/13 $1000 currently closed with zero balance. 9 inquires this year. 5 from a mortgage company. I just need five points.
This is a hard one. I agree with the person who told you to pay off the $45 and request a CLI with a soft inquiry. The problem is you only have one card. I can't tell what your opening balances were on the installment loans. Can you get them down to less than 20% or 30%? I paid down all my accounts to less than 25% and paid off a couple of cards. I got a big bump. One of the cards is a card that I use and pay off each month so when it reported a balance, I got a slight ding.