Hello, I am new to the forum, Korean American immigrant.
I moved to the USA last year and got credit cards last year also and I was building credit score over the course of 1 year from no credit score to 743 for TU and EX 744, I don't know about my EQ Fico score because I check EX score from their web and TU with my Discover account.
Because of my short credit history and about 8 inquiries for apartment application and credit card applications, I think They wouldn't let me have another credit cards or loan because of my short credit history and too many inquiries. I asked around and one of my friends added me to his BOA credit card account as AU and I have 16 years of history with $36k CL, another friend added me to his AMEX but that was my mistake because AMEX only reports AU as a new account.
So my summary is like this.
Aaoaa is 3 years as of today,
My own CL across all my 4 credit card accounts is $5.2K, 3 Cap1 ($2.2k-8 months, $2k-3 months old and $500-11 month old) Discover is also $500 with age of 4 months.
3 AU accounts are like this. BOA 16 years of history with CL $36k, another BOA with 5 years of history with $3.5k CL, and AMEX with $14K, but AMEX count as a new account of 1 month age.
I applied for SelfLender and started my first saving as an installment loan because I wanted that to added to my credit mix because someone told me I need an installment payment history to boost my score in the future.
Now my concern is that I need to lease or buy a car. My income is little above 6 figures, Credit utilization is always less than 1% due to AU accounts.
Is there any way for me to get an approval for a car lease with my short history of credit? If you are a seasoned forum member, could you please give me advice on how to improve my score in the future by doing something I can do with my credit history?
Thank you very much for your help in the process.
Sincerely,
Lee.
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