Ok here is my situation. About a year ago I had 10 or so baddies on my reports. Over the last year I have let some fall off, written good will letters, and paid some off for deletion. I am now down to one baddie which is a medical collection that I tried to deal with but they were huge jerks about it so I left it and it is due to fall off in Oct or Nov. I have opened several new accounts and been good with them and gotten a few increases along the way. My FAKO scores and cards are as follows. The medical collection is about $800 on the Experian only btw.
Transunion - 734
Experian - 683
Equifax - 688
The cards I currently have and ages are
One Stop Plus - $800 (opened March 2012 with a 250 limit) - $0 balance
Capital One Quicksilver One - $2000 (opened June 2013 with a 500 limit) - $50 blance
Barclays Rewards - $2600 (opened October 2013 with a 1300 limit) - $0 balance
Discover it (AU) - 1700 limit (opened October 2013) - $0 balance
Rooms to Go (Gecb) - $3200 limit (opened February 2014) - $2200 balance
AMEX BCE - $1000 limit (opened March 2014) $60 balance
mortgage is paid off and so are my cars So above is all the debt I have. And I have 2, 3, and 3 inquiries.
My AAoA is 2.3 years.
I have been paying everything in full every month except my rooms to go and plan on paying it down fast I know the utilization is too high But the zero interest for 5 years was too good not to take advantage of. I am wanting to get my scores up some more just not sure how to go about it. Am I trying to do too much too fast? Any advise would be appreciated. Thanks.
I agree, pay ir down, and just garden what you have.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.