Stop Me Before I Do Something Again

[Anonymous]

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@Anonymous wrote:
Hey watchnerd just saw your tagline. So your scores 5/1: TU 741, EQ 732, EX 750


Yes wait it out, NO tweaking. I would think by December with paying and keeping UTIL down you will hit your goals. It looks like time could be your best friend. If you get 20 points for paying on time over 6 months all but EQ would be there. And EQ would only be 8 points off.

You have gotten this far. The waiting is painful, but reaching your goal is well worth it!

BTW, your scores are VERY NICE.....I would love to be where you are!

You obviously have done some very good things to your credit!

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Well, thanks, it has taken a while. I had pretty awful scores 10 years ago and lots of low-rent credit cards, too.

Here are a few things that I'm considering that don't involve apping, disputes, CLIs, or any of the other things I really don't need or are more likely to do more harm than good.

You all please tell me if you think they're harebrained:

1. I have an CU account from college that is set to drop off this year. I'm going to see if I can re-open it and keep the date. That would give me an account going back 20 years.

2. My wife has a Chase / Circuit City card that she had before we were married. I think she bought an iron with it or something. In any case, it's one of our older cards, and I'm not on it. Wondering if I should get myself added.

[MidnightVoice]

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watchnerd wrote:


Here are a few things that I'm considering that don't involve apping, disputes, CLIs, or any of the other things I really don't need or are more likely to do more harm than good.

You all please tell me if you think they're harebrained:

1. I have an CU account from college that is set to drop off this year. I'm going to see if I can re-open it and keep the date. That would give me an account going back 20 years.

2. My wife has a Chase / Circuit City card that she had before we were married. I think she bought an iron with it or something. In any case, it's one of our older cards, and I'm not on it. Wondering if I should get myself added.

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1.  It will stay on for 10 years after it is closed

2. That card may need reactivation, which may cause a hard pull.  Jointing it may also result in a hard pull.

[Anonymous]

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@MidnightVoice wrote:

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@Anonymous wrote:


Here are a few things that I'm considering that don't involve apping, disputes, CLIs, or any of the other things I really don't need or are more likely to do more harm than good.

You all please tell me if you think they're harebrained:

1. I have an CU account from college that is set to drop off this year. I'm going to see if I can re-open it and keep the date. That would give me an account going back 20 years.

2. My wife has a Chase / Circuit City card that she had before we were married. I think she bought an iron with it or something. In any case, it's one of our older cards, and I'm not on it. Wondering if I should get myself added.

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1.  It will stay on for 10 years after it is closed

2. That card may need reactivation, which may cause a hard pull.  Jointing it may also result in a hard pull.

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Yes, it was closed in October, 1998, opened in 1989, and is my oldest account. Hence my desire to re-open it.

[Junejer]

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@Anonymous wrote:

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@MidnightVoice wrote:

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@Anonymous wrote:


Here are a few things that I'm considering that don't involve apping, disputes, CLIs, or any of the other things I really don't need or are more likely to do more harm than good.

You all please tell me if you think they're harebrained:

1. I have an CU account from college that is set to drop off this year. I'm going to see if I can re-open it and keep the date. That would give me an account going back 20 years.

2. My wife has a Chase / Circuit City card that she had before we were married. I think she bought an iron with it or something. In any case, it's one of our older cards, and I'm not on it. Wondering if I should get myself added.

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1.  It will stay on for 10 years after it is closed

2. That card may need reactivation, which may cause a hard pull.  Jointing it may also result in a hard pull.

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Yes, it was closed in October, 1998, opened in 1989, and is my oldest account. Hence my desire to re-open it.

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I don't think that they are hairbrained at all.  If you can swing the first one, hats off to you.  I will definitely keep that bad boy around for another decade plus.  You have to consider how much the hards are going to hurt your efforts to get to 760.

[Anonymous]

You said 'hards'. 

K, done being 14 now.

[Junejer]

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@Anonymous wrote:

You said 'hards'.

K, done being 14 now.

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That's what she said.

[Anonymous]

Okay, apparently it is possible for me to re-open the $500 line of credit I had in 1989 at the university CU when I was in college (used it to buy a stereo).

However, it will require an inquiry. I'm also wondering if such a small credit line would look odd on my report. And how are personal loans counted, anyway? Presumably as installments?

So, should I attempt this?

[Junejer]

This is a line of credit. Goes toward revolving debt.

[haulingthescoreup]

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@Anonymous wrote:
Okay, apparently it is possible for me to re-open the $500 line of credit I had in 1989 at the university CU when I was in college (used it to buy a stereo).

However, it will require an inquiry. I'm also wondering if such a small credit line would look odd on my report. And how are personal loans counted, anyway? Presumably as installments?

So, should I attempt this?

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History is history. This costs you nothing, other than an inq, and it can keep reporting as long as the CU lets you keep it.

Even better than a mortgage. I have heard that mortgages do eventually get paid off (really! I heard this!), and then 10 more years and gone. You can use this puppy to pay your "final expenses." Or your family can, I suppose...

[Anonymous]

$500 for a funeral?

**bleep**, that's cheap. Probably only enough money to rent a wood chipper and run me through it.