Cap1 fall off gains me 51 points!

[Anonymous]

686 to 737, personal best (from low 500s this time last year)

Util high right now (34%) going down to  <10% this month. When I popped from 10 to 30 on the way up lost 19 points so hoping this will put me in 760+

Also getting my lost/replaced HSBC card to start reporting as Current/Open since it will also help util (0$/$3k) and be another good card.

Then hopefully I can add an installment loan (plan is $1k, pay off $800 first month) and that should help util and mix.

Finally, hoping to add Amex and date back to old 1980 account.  

Lastly, thinking I should have them remove my old 1980 closed amex itself, since that is reporting as $1035 balance which seems to indicate to me a CO even though account doesnt' officialy report that.  Or does losing that 28 year old account even though closed/over help me?

In any event, pushing for 800 if I can manage that by Feb (2 Cards and 2 Inquiries have 1 year bdays then too)

[GFer]

Awsome!!!

500's a year ago??

You are truely an inspiration!

[Anonymous]

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@GFer wrote:

Awsome!!!

500's a year ago??

You are truely an inspiration!

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Thanks!  It has been in a word, a war (or a full-time job, depending on how you look at it).   And I could not have done it without all the great people and advise here on this board...

[GFer]

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@Anonymous wrote:

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@GFer wrote:

Awsome!!!

500's a year ago??

You are truely an inspiration!

---

Thanks!  It has been in a word, a war (or a full-time job, depending on how you look at it).   And I could not have done it without all the great people and advise here on this board...

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I know exactly what you mean! But a war worth fighting! Especially at this date in time! Finding the advice and support of the people on these boards has made such in a difference--not only in my scores, but the way I treat my credit and finances.

And not just the advice, but sometimes more importantly---the moral support!

[Anonymous]

please please please tell me how you did this. this is awesome and the best news i heard in a long time. I owe captial one also, and it has been since 1999 and it won't go away. scared to pay it because it my hurt me and scared not to because it won't go away. any advice please email me. Hey i'm proud of you, you go

[Anonymous]

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@Anonymous wrote:
please please please tell me how you did this. this is awesome and the best news i heard in a long time. I owe captial one also, and it has been since 1999 and it won't go away. scared to pay it because it my hurt me and scared not to because it won't go away. any advice please email me. Hey i'm proud of you, you go

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I'd love to say a single thing I did made a difference.  I disputed, document verified, disputed some more, had a lawyer right letters, had a lawyer off PFD, even Pay for Update to $0, even Pay for reactivate. Nada.  It just fell off. NOW, if you're account went delinquint (first month a missed payment was recorded) in 1999 or anytime before December of 2001, it HAS to come off and you can disupte it as such.

[jbh]

Congrats, but I really do not know if a small loan will help. Your scores with new util will be all you need. last thing that would help is lowering average age and dinging points initially. with that score, a $1k loan isn't a deal breaker. Find the right loan/card that excites you and let that age. You are where I hope to be when my last ca's fall off (all things being equal) May '09.

When that happens, I get Boa/city and 2 business cards. 

[Anonymous]

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@jbh wrote:

Congrats, but I really do not know if a small loan will help. Your scores with new util will be all you need. last thing that would help is lowering average age and dinging points initially. with that score, a $1k loan isn't a deal breaker. Find the right loan/card that excites you and let that age. You are where I hope to be when my last ca's fall off (all things being equal) May '09.

When that happens, I get Boa/city and 2 business cards. 

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I've pretty much dropped the loan idea.  It is less about manual review however then it is scores. BizCredit consultant tells me if i can get even one score to 800 I'll be golden.  High-700s are good of course

So since Efax is at 737, I'm thinking even getting to 1% utilization is not going to get me past 770 tops.  If I can get the Amex AND have it aged to old account that might get me even closer. SO looking for a few 10-15 point tricks here and there.