I have 14% uti
$8900 in loans, original balance 14000
$48000 in unsecured credit
However Experian says I have 11 inquiries.
AAoA 12 months sadly.
AooA 2 years.
AU on a 13 year old card.
My Experian also says I have Consumer Finance Company accounts that are negatively affecting my score. Can someone please enlighten me what these could be? My suspected culprits:
My subprime building cards: Credit One, Milestone, Surge Card
StellarFi, Ava, Kikoff (credit builders)
and my loans that are from not so fantastic companies. (30% APR)
710 FICO score. I can't really get approved for anything often because my accounts are too new, too many inquiries, or too many new accounts.
Last account opened Jan
21 accounts
@Jammo13 wrote:I have 14% uti
$8900 in loans, original balance 14000
$48000 in unsecured credit
However Experian says I have 11 inquiries.
AAoA 12 months sadly.
AooA 2 years.
AU on a 13 year old card.
My Experian also says I have Consumer Finance Company accounts that are negatively affecting my score. Can someone please enlighten me what these could be? My suspected culprits:
My subprime building cards: Credit One, Milestone, Surge Card
StellarFi, Ava, Kikoff (credit builders)
and my loans that are from not so fantastic companies. (30% APR)
710 FICO score. I can't really get approved for anything often because my accounts are too new, too many inquiries, or too many new accounts.
Last account opened Jan
21 accounts
My guess would be the "loans that are from not so fantastic companies."
I get that reason code for an old Lending Club loan. Won't know how much it's suppressing my scores until it falls off naturally in a few more years.
no matter what I do I can't get in the door with Amex. they constantly deny me xD citing various "new" reasons, which doesn't make as much sense at this point considering college students with no credit get them all the time.
thankfully navyfed gives me all the love.
No. Never missed a payment
I have Discover, 3 navy fed, 2 cap 1, 2 loans, Citi Best Buy card, Citi diamond preferred, 3 subprime cards (credit one milestone surge, closing all soon), oh and also I have a military star card.
i have 3 credit builders aka ava Kikoff and stellarfi is still reporting for some reason?
@pizzadude wrote:
@Jammo13 wrote:
What was your revolving utilization when you most recently pulled your scores ? Balances & Credit Limits ?
including the AU card, as well
@Jammo13 wrote:I have 14% uti
$8900 in loans, original balance 14000
$48000 in unsecured credit
However Experian says I have 11 inquiries.
AAoA 12 months sadly.
AooA 2 years.
AU on a 13 year old card.
My Experian also says I have Consumer Finance Company accounts that are negatively affecting my score. Can someone please enlighten me what these could be? My suspected culprits:
My subprime building cards: Credit One, Milestone, Surge Card
StellarFi, Ava, Kikoff (credit builders)
and my loans that are from not so fantastic companies. (30% APR)
710 FICO score. I can't really get approved for anything often because my accounts are too new, too many inquiries, or too many new accounts.
Last account opened Jan
21 accounts
I don't think a 710 FICO score is so low for your profile.
