Where to go from here...

[Tons_of_Debt]

First,

Let me say THANK YOU to all the help you've provided me over the past 3 years. My credit was in the TOILET and I owe a huge debt to this forum for providing support/encouragement/advice/etc. that helped me get out of the hole I was in!

I'm at the point where I have hit the 730s but want to hit 760 (at least) by March 2012 as I'll be looking to purchase a house at that time. I'm thinking opening another major credit card (AMEX or MC) would help but could use any suggestions!

Current Credit: 

Student Loans (2 Loans): $20k

Auto Loan: $10k - Will be paid off by March 2012. - (Note: This *was* with a bank at 13% but just refinanced with a CU at 3.5% for 36 months)

BofA CC: $500 CL - Will request CLI in approximately 1 month

CU CC: $1000 CL (Just given $500 CLI)

STORE CARD: Kay Jewelers: $5,000 CL

No balances on any cards. Any advice would be appreciated!

[Tons_of_Debt]

Let me clarify on balances - for CU CC and BofA CC, I let 5% hit each month...  Anyone??? 

[Tons_of_Debt]

Bump... 

[Anonymous]

I think you're doing everything you need to be doing.  Can I ask why you're waiting until 760?  Rates could go up next week, or in 6 months - if I were you, I'd have a mental apr I'd be waiting on.  Rates have gone up 1% since November when I initially got some rates quoted...my scores are up but the rates are now higher!

[Tons_of_Debt]

More about waiting to save up enough for a good down payment...that'll happen by march... would like to hit 760 by next year though. :-)

[Tons_of_Debt]

So I app'd for an REI Visa and was approved for 2500.

Received CLI from B of A from $500 to $2500. 

Was denied for AMEX Blue Sky. :-(  -  Wish I hadn't made the inquiry!! 

[Anonymous]

Congrats!  I'd stop apping until you have closed on your house, though. 

[Tons_of_Debt]

Correction: REI was 8500