One card with NFCU is enough. You should be able to end up with a very large limit over time. Applying for a new account now will hurt you possibly next year when you attempt to get a CLI. Keep your other cards open for a while longer be patient. ... View more

@Anonymous wrote: I just checked my score and saw that one report mentioned my credit card "balances" as a negative.  The thing is, I pay off my balances every month. The amount this month was about $1,000.  What expenditure on a credit card monthly will be considered positive??  I am frustrated, because I have several credit cards, use about 2 per month, and always pay them off every month, yet this is considered a negative?  So, are we supposed to have credit cards and never use them to keep up a FICO score?? 2 of my scores are 759 and 763 and the lower one mentioned this as a negative. (My score has gone down from the 780's because of 1 late payment, so I know it is not all the credit card).   Help me understand this nonsense please... To maximize your scores you should let no more than 50% of your accounts report a balance. Less is better though it can vary from credit bureau to bureau. YMMV. ... View more

@CS800 wrote: EX cersit report always put when this account is due to fall off. Example,   I have a collection that supposed to remain on my credit report until Dec 2012. So by that I take it that Jan 2013, the collection would have disappeared from my credit report.   If it was closed,in good standing, then it will remain for 10 years. Not always true. The lone remaining medical collection on my GF's report has no drop date but Transunion show it will be gone December 2011. To my surprise Equifax has had her clean of all baddies for well over a year. They are very strange to say the least. ... View more

Positive tradelines can fall of anytime after they are closed. The stock answer is they'll keep them for 10 years and in a vast number of cases I think that is true. One bureau likes to clean your report of some lines after about 7 years. No laws say they must keep them once they are closed. I have 1 closed car loan that might report for 20 years after it is closed if the drop date on Experian is to be believed. YMMV but 10 years is true in most cases. ... View more

My score was updated Sunday nite it was there early this morning. October 4th date of pull. 774 up from 769. Looks like a couple of cards did not get a chance to update so I might have a few points left. ... View more

@911gt34life wrote: i was wondering what do i need to do to keep my credit score above 780 ? No new applications would help a lot. ... View more

I think it's more or less a "starter" card. ... View more

I originally got the card with an 8 year old BK7. Experian I believe at the time was 717. No rhyme or reason with Citi at times it seems. EX is now 796 they offered me 14% and change I took it.  ... View more

Very helpful Bit on the Citi Dividend but lost the low rate. Not a big deal since I will not revolve a balance. Now if Penfed would cooperate I would be all set but I know there is no chance of dumping the vanilla Gold for a Rewards card with them. High limit place holder I guess. ... View more

796. Up 7 points. Might let just 1 account report a balance to see if I can get it over 800. ... View more

A free real Transunion FICO score. Free. Real. ... View more

@p- wrote: @smallfry wrote: Over 800 no doubt as long as your utilization is very low. I am low to mid 790's with lower AAofA on Equifax than yours will be. Stop applying unless you need the credit. Nice.  That's good to hear.  I am done appplying for now; I have almost 10k in available credit and never use more than 2 to 3k at any time, so I'm fine.  I'll use CLI requests to get that up if I need it.  Now that my score is finally getting good, I don't really need the credit any more, hahaha. Only 10K? You might want to think about getting a high limit credit union credit card.  ... View more

Over 800 no doubt as long as your utilization is very low. I am low to mid 790's with lower AAofA on Equifax than yours will be. Stop applying unless you need the credit. ... View more

After a while it just becomes about ego. How much available does anyone who doesn't charge business expenses or have a life style like Trump really need? I have found that trying to spread expenses among more than 5 credit cards to be impossible. If you find you charge around 3K a month then 20 times that in available credit is surely enough. After all it's just available credit not money in the bank.   Strict loan officers might get spooked by outsized lines of available credit. Wouldn't you especially after the recent mortgage debacle? ... View more

@Anonymous wrote: @john398 wrote: @haulingthescoreup wrote: Once a month.   The jury is out as to which FICO TU score it is (TU98, TU04, TU2008, TU NextGen.) I've lost track on the speculation, lol.   we can rule out nextgen the ranges dont match that model And we can rule out TU98 as the Walmart scores don't match the scores pulled on myfico. Well that's a good thing and it is free. The website claims the score updates by the 10th business day. However most have found they were late this month. In order to avoid having Walmart/GEMB pulling your TU more than necessary I would wait until the end of the week that the 10th biz day falls. When you decide to find your score click on the Account Services button view fico score. Do not click on the button in the middle of the page as this will result in multiple pulls. I don't think the service will continue if it costs the CC company more than a pull a month. ... View more

If you are one of these people who want/need to pull a score the Walmart card is a great deal. W/o a discount here if you were to pull every month that works out to be a decent rewards card. If you don't pull scores then don't bother. ... View more

@anybodii wrote: Will this appear bad / hurt my credit score because it looks like I have new accounts? That might differ from report to report. TU did not report a new account for me while both Experian and Equifax reported the accounts as new for 30 months. At that point the lost/stolen accounts dropped off and the original history and opening date was shown. ... View more

I never found the Simulator to be very accurate. You might find the free Estimator to be more accurate actually. I do. ... View more

TU 98 for 20 bucks or who knows what TU FICO for free. Hmm. Gee I think I'll pay 20 bucks. Not. ... View more

@wmarat wrote: I was in your shoes, but 5 years ago. I do not mean to be mean, but your advice is bad. Why to be stuck with low limit, high APR, AF cards which will never grow with you? Why not to use such a great and friendly tool as Credit Unions?   Today, 5 years latter, I have plenty of credit, supreme loan rates and never, but never paid a penny (in fees) to credit card companies.   Therefore, my recommendation is to start (secured cards) with credit unions and be patient and +1 ... View more

Go for it though your utilization is very high. Worst thing is a wasted inquiry. ... View more

You will see a vast improvement once all your negatives drop from your credit reports. Just keep paying on time until then and keep the utilization low. ... View more

Get them all the time. ... View more

4%? That's even worse than your normal 35 offer from Citi. ... View more

Congrats Di you passed the rubber glove test. Bet that didn't hurt a bit. ... View more

@DI wrote: I won't be closing this account since I have to watch my back with AMEX.    You never no when they may pull a F/R and freeze the account.  You never know when the supermodel will freak out on ya. Now Penfed doesn't look so bad does it? ... View more

I have the use of six cards. The banks own all of them. ... View more