Hi everyone, thank you for all the advice posted here. It has been extremely helpful in my rebuild journey. I have paid down all of my CC balances and kept a good payment history (no late payments) for the past 4 years. I'm wondering what my next steps could be or if I'm now in a good place to just chill, play the CC game (CLIs, low UTI) and wait for baddies to fall off. I want to buy a house in two years, that's the end goal.
Here is my profile:
Scores:
EX: 701
TU: 696
EQ: 682
Open CC's:
NFCU - 0 / 1700 (no lates, just got)
Apple - 0 / 2200 (no lates)
Discover - 0 / 2000 (no lates)
CapOne Platinum - $320 / 4000 (lates from 2017)
CapOne Journey - 0 / 500 (paid in full several years ago but still reports so I don't touch it)
Ulta - 0 / 750 (no lates)
Current utilization: $320/$8200 (3.9%)
Other open accounts:
Upstart: $5,459.33 / $6000 (I'm going to pay this down to 8% and then coast) (no lates)
Capital One Auto: $2222 / $11,121 (I plan to pay this off next week; would be an early pay-off) (no lates)
Lates:
Capital One Journey 09/2015
Capital One Platinum 10/2017
Student Loans (each loan shares the same date of last deliquency) 11/2017
Comenity/Victoria's Secret 09/2017
As you can see 2024 is gonna be a GREAT year as long as I stay the course and don't do anything crazy LOL. Anything else I should do in the meantime?
