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We’ve identified a way to increase your credit score by 47 points

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NRB525
Super Contributor

Re: We’ve identified a way to increase your credit score by 47 points


@Anonymous wrote:

T hank you for all the replies, it certainly confirmed my thoughts on it too. They did include a link to apply for a credit one card... That might be a tough one to get on my profile but I think I will stick it out and wait at least a year more. TBH I think any additional cards would just be dead weight for me. Amex has treated me quite well since Ive gotten it, the Citi costco and Discover card are great for me too. So I will just focus on getting SL late pays from over 2 years ago dropped... lol


Is your AMEX BC limit still at $1k?

 

With 12 cards, I have a hard time believing any additional card would help your scores. As noted, probably a ding and slow crawl back during the 6 months. Only time and low utilization is required now, for score improvement.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 11 of 12
Anonymous
Not applicable

Re: We’ve identified a way to increase your credit score by 47 points

@NRB525 Yes my Maex BC is still at 1K I rarely use it. I have been thinking of closing it and mocing the 1k to the other Amex,

Message 12 of 12
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