Ask Hegemony: Am I Diversified?

[Sunshyne]

SERIOUS HERE. AM I DIVERSIFIED? IF NOT, PLEASE MAKE RECOMMENDATIONS BASED ON THE FOLLOWING SCORES AND 2005 BK7: Hopefully I'm good cause I really don't want any more credit (except BofA) and I want these to age.

 

EQ: 656

EX: 669 (BK not on this report)

TU: 689

 

 

Mortgage 230k (worth 450k)

HELOC - 50k

 

JFCU Visa - 25k

NFCU M/C - 20k

NFCU Visa - 11k

NFCU Navcheck - 10k

Jax FCU Visa - 8.6k

CCCU Visa - 7.5k

NRL FCU Visa - 7.5k

Patelco - 5k

 

Jared's - 3k

Nordies Plat Visa - 2500

JC Penney - 2k

Lowes - 2k

Macys - 1500

Wamu - 1450

Sam's club - 1400

Walmart - 530

Cap 1 - 500

Target - 300

Edited April 6, 2008 by Sunshyne

[hegemony]

Ok Hege, Give it to me straight, I can take it.

 

Amex

Biz Platinum

Green Rewards

Blue for Biz 15K

Blue (AU) 15K

Blue Cash 25K

RBS Citizens 7.5K

USAA MC 7K

USAA Amex 7K

Juni Carni 5K (CLD from 20K Junami)

Citi Pro Cash 6K

Citi Pro TY Net 2.5 (Got this on Recon)

Citi CashReturns 13.5K

Advanta 2.5K

Discover 5K

Chase Freedom Biz 5K

Wamu 3.5K

Wamu Plat 2K

Best Buy MC Plat 1.5K

Wells Fargo 3K

Target Visa 4K

A bunch of store cards too.

 

 

IMHO, you are well positioned to move to a new strategy of higher limits, but perhaps fewer cards. Combo ones you can and perhaps add a CU like Patelco. 6 amex cards and 3 CITI is your weak spot. B+

[hegemony]

Hmmmm....my turn I guess...

 

Major Banks:

 

Citi: $21.5k

BOA: $19.5k

AMEX: $22.5k

Chase: $18.5k

Discover $6.9k

WaMu: $2k

State Farm: $20k

Cabela's/WFB: $10k

Nat'l City: $10k

Nordy's Platinum: $3k

USAA: $1k (they R-E-A-L-L-Y HATE me)

 

CUs:

 

 

Navy FCU $20k (also loc = $10k)

People's Trust: $25k

BECU: $14.5k

CCCU: $7.5k

PenFed: $500 *ahem*

 

*also pending cc apps for JFCU (req $20k), NEFCU (req $25k), NASA FCU (req $30k)

 

Assorted store cards:

Home Depot Store $9k

Circuit City: $5k

Walmart Discover $4k

Lowes $ 2k

Exxon Mobil $2.1k

 

You are well prepared for graduate school. If those pending apps come to fruition you may want to cull some of the lower limit commercial cards.

[mysschevous]

I tried to add Penfed, but Alas, I am also from Egypt! No new apps I keep telling myself!

 

ETA: Thanks for the feedback

Edited April 6, 2008 by mysschevous

[hegemony]

See sig. What's my grade, professor H?

 

 

10/95 Disc More 9k

06/05 Citi Div Plat Select MC 7.8k

04/06 Chase Rewards Plus VISA 7k

08/06 Citi Drivers Edge MC 1 8.9k

08/06 Citi Drivers Edge MC 2 6.6k

12/06 Chase Pro MC 14k

12/06 HSBC GM Flexible Earnings MC 3.2k

01/07 Disc Open Road 9k

01/07 WAMU Plat VISA 4.5k

03/07 Chase Freedom VISA 10k

04/07 Chase Pro MC #2 DENIED!

04/07 BOA Financial Rewards VISA 11k

04/07 GEMB Cash Rewards MC 3.5k GEMB strikes with AA!

05/07 Juniper EmigrantDirect MC 9k

09/07 Juniper Carnival Seamiles 500 CANCELED

11/07 Chase UPS Bus VISA 10k

11/07 Citi Pro Cash MC 1k

02/08 State Farm Good Neighbor VISA 2k

02/08 Penfed Cash Rewards Plat VISA 8k

02/08 US Bank Plat VISA 7k

03/08 WAMU ESPN VISA 7.5k

03/08 First Equity Plat VISA 6k

 

09/06 JC Penny 1.5k

 

 

Very good, but a multiplier with chase and CITI. Combo if you can IMHO. A

[*GB*]

BK Gift Card with no stored value.

 

Coupons for:

 

Chik Fil A> Free Drink

 

Dairy Queen > BYGOF Hot Dog

 

AMX Bowling Centers, BYGOF Game Limit 2

[hegemony]

SERIOUS HERE. AM I DIVERSIFIED? IF NOT, PLEASE MAKE RECOMMENDATIONS BASED ON THE FOLLOWING SCORES AND 2005 BK7: Hopefully I'm good cause I really don't want any more credit (except BofA) and I want these to age.

 

EQ: 656

EX: 669 (BK not on this report)

TU: 689

 

 

Mortgage 230k (worth 450k)

HELOC - 50k

 

JFCU Visa - 25k

NFCU M/C - 20k

NFCU Visa - 11k

NFCU Navcheck - 10k

Jax FCU Visa - 8.6k

CCCU Visa - 7.5k

NRL FCU Visa - 7.5k

Patelco - 5k

 

Jared's - 3k

Nordies Plat Visa - 2500

JC Penney - 2k

Lowes - 2k

Macys - 1500

Wamu - 1450

Sam's club - 1400

Walmart - 530

Cap 1 - 500

Target - 300

excellent post BK tradelines. I don't think you need to add more, unless there is a rewards card you covet. I would let age run its course and ask for CLI in the near future. A plus one gold star.

[hegemony]

I tried to add Penfed, but Alas, I am also from Egypt! No new apps I keep telling myself!

 

ETA: Thanks for the feedback

 

What about DCU or Patelco? perhaps when you current tradelines age a bit.

[Sunshyne]

SERIOUS HERE. AM I DIVERSIFIED? IF NOT, PLEASE MAKE RECOMMENDATIONS BASED ON THE FOLLOWING SCORES AND 2005 BK7: Hopefully I'm good cause I really don't want any more credit (except BofA) and I want these to age.

 

EQ: 656

EX: 669 (BK not on this report)

TU: 689

 

 

Mortgage 230k (worth 450k)

HELOC - 50k

 

JFCU Visa - 25k

NFCU M/C - 20k

NFCU Visa - 11k

NFCU Navcheck - 10k

Jax FCU Visa - 8.6k

CCCU Visa - 7.5k

NRL FCU Visa - 7.5k

Patelco - 5k

 

Jared's - 3k

Nordies Plat Visa - 2500

JC Penney - 2k

Lowes - 2k

Macys - 1500

Wamu - 1450

Sam's club - 1400

Walmart - 530

Cap 1 - 500

Target - 300

excellent post BK tradelines. I don't think you need to add more, unless there is a rewards card you covet. I would let age run its course and ask for CLI in the near future. A plus one gold star.

 

You should see the big-stupid flowers-grin on my face!!!! Yeah, I'm diversified.

[hegemony]

BK Gift Card with no stored value.

 

Coupons for:

 

Chik Fil A> Free Drink

 

Dairy Queen > BYGOF Hot Dog

 

AMX Bowling Centers, BYGOF Game Limit 2

 

 

You could have a good weekend in Fargo with that!!!

 

a courtesy D-

[*GB*]

BK Gift Card with no stored value.

 

Coupons for:

 

Chik Fil A> Free Drink

 

Dairy Queen > BYGOF Hot Dog

 

AMX Bowling Centers, BYGOF Game Limit 2

 

 

You could have a good weekend in Fargo with that!!!

 

a courtesy D-

I will look for more coupons in the sunday paper.

 

I want an A++

[hegemony]

ok, turnabout is fair play:

 

Ameriprise MC 10K

home depot CITI MC 7.5K

juniper emigrant MC 36K

HRC wamu Visa 9K

Enlightenment Visa (FBH) 12.4K

JCB 7K

chase MC 12.3K

RBS MC 9K

BMW visa 15K

lexus visa

Nordstroms siggy visa 12K

NASA visa 40K

USAA amex 30K

NSB visa 10K

SFB visa 10K

Patelco mastercard 20K

Lowes storecard 10K

Target visa

 

A+

thanks, but I still feel something is missing...probably the nasa 2% cashback card.

[Kayak]

*sending CMRRR* to hegemony Trying again....

 

 

Majors:

PenFed cash rewards $5000 limit/$75 balance

Citi Plat $3700 limit/ $0 balance

HSBC $5000 limit/$0 balance

Capital One $1900 limit/$0 balance

Providian/Wamu $5462 limit/$0 balance

Wamu Business card $500 limit/$0 balance

Amazon.com (Chase) $400 limit/$0 balance (mad about my limit, won't use very often)

 

Storecards:

Home Depot (Citibank) $2000/$0

Service Experts (GEMB) $4000/$0

Circuit City (Chase) $1500/$1200 (0% through 2010)

 

Suggestions?

Edited April 6, 2008 by KayakDawg

[bob_engleboffer]

Citi 26.6k

lAmex 15k

Chase 1 10K (Sig no CL reporting)

Chase 2 10K (Sig no CL reporting)

US Bank 7k

We Fe (aka Wells Fargo) 6.5k

Best Buy Store 9.8k

B of A 1 9k

B of A 2 9k (Sig no CL reporting)

RBS 5k

Target Visa 5k

WaMu 4k

Macys 1.4k

Local CU 1k (from way back when I had no history)

 

??????????????????????????????

[ademas]

Chase $21,200

Citi $17,300

BofA $23,700

BECU $25,000

 

what should I add?

[minnie aubre]

I tried to add Penfed, but Alas, I am also from Egypt! No new apps I keep telling myself!

 

ETA: Thanks for the feedback

 

What about DCU or Patelco? perhaps when you current tradelines age a bit.

 

I like DCU. They gave me a Visa when Patelco and Penfed would not (for being an Egyptian, also).

[minnie aubre]

ok, turnabout is fair play:

 

Ameriprise MC 10K

home depot CITI MC 7.5K

juniper emigrant MC 36K

HRC wamu Visa 9K

Enlightenment Visa (FBH) 12.4K

JCB 7K

chase MC 12.3K

RBS MC 9K

BMW visa 15K

lexus visa

Nordstroms siggy visa 12K

NASA visa 40K

USAA amex 30K

NSB visa 10K

SFB visa 10K

Patelco mastercard 20K

Lowes storecard 10K

Target visa

 

A+

thanks, but I still feel something is missing...probably the nasa 2% cashback card.

 

Are you going to apply? Or, convert?

[nyrfann]

USAA -- 70K

Navy Visa -- 50K

Patelco Visa -- 45K

PenFed Visa -- 40K

Navy MC -- 40K

Nasa Visa -- 40K

Lockheed Visa -- 33.5K

Justice Visa -- 30K

Fairwinds MC -- 30K

Addision Visa -- 30K

DCU Visa -- 25K

Navy navcheck -- 15K

Home Depot -- 15K

Lowes -- 14K

Cap one -- 11K

Circuit City -- 6K

ESPN -- 4K

Edited April 6, 2008 by nyrfann

[Credit Matters]

USAA -- 70K

Navy Visa -- 50K

Patelco Visa -- 45K

PenFed Visa -- 40K

Navy MC -- 40K

Nasa Visa -- 40K

Lockheed Visa -- 33.5K

Justice Visa -- 30K

Fairwinds MC -- 30K

Addision Visa -- 30K

DCU Visa -- 25K

Navy navcheck -- 15K

Home Depot -- 15K

Lowes -- 14K

Cap one -- 11K

Circuit City -- 6K

ESPN -- 4K

 

You're missing the Nordstrom signature card.

[sfbehr]

USAA MC 25K

WaMu Visa 9.5K

Patelco Visa Gold 5K

CapOne MC 5K

Target Visa 5K

Nordstrom store card 3.5K

Barclays USAir MC 2K

Macy's store card 2K

 

Thinking very seriously about culling the Barclays card. Want another CU card (leaning toward Alliant or NASA), maybe a State Farm card or some other oddball card. 3 of the big 4 (AMEX, Chase and Citi) are out of the running since they were all IIB for me.

 

Any other thoughts? How's my diversification?

[laura_doox]

So is this for diversification with regard to safety of not being completely wiped out if one issuer gets cranky or messed up? Or is this for FICO diversification reasons?

 

I'd appreciate your opinion on where I should focus on apps in future. Not interested in apps right now because most of these are new and need age. Only had 1 CC before this and that was charged off (Citi--300 in 04)

 

WaMu Platinum VISA: 1500

US Bank Rewards VISA: 3000

Juniper/Barclays Itunes VISA: 250

 

Macy's store card: 400

 

AMEX Green Charge

 

Had Orchard MC Platinum for 1 year and they are now FIRED

 

It sounds like I need a CU Revolving acct? I have a CU installment acct but I don't like the CU.

 

Thanks Hege.

[TRX]

The downside of being better than everyone else is that people tend to assume you're pretentious.

 

 

And this was necessary why? Please explain, I'll wait for your response.

 

tongue in cheek

[nyrfann]

USAA -- 70K

Navy Visa -- 50K

Patelco Visa -- 45K

PenFed Visa -- 40K

Navy MC -- 40K

Nasa Visa -- 40K

Lockheed Visa -- 33.5K

Justice Visa -- 30K

Fairwinds MC -- 30K

Addision Visa -- 30K

DCU Visa -- 25K

Navy navcheck -- 15K

Home Depot -- 15K

Lowes -- 14K

Cap one -- 11K

Circuit City -- 6K

ESPN -- 4K

 

You're missing the Nordstrom signature card.

OK! Next trip to the mall I'm all over it, espicially with my new scores.

[ryanp]

My List:

 

PenFed 35k

USAA 35k

Bank of America 35k

American Express 35k

American Express 20k

BankAltlantic Biz 15k

Citi 12k

National City 10k

Chase 9.5k

Military STAR 6.7k

Home Depot 5k

Wamu 3k

Wachovia 2k

Juniper 1.5k

[lorcat]

Majors

Juniper USAirways $4k

Juniper IcelandAir $1k

Orchard $500

Hooters $1600

National City Secured $250 -- Closing in Dec. @ 2 year mark

Applied Card $1400 - Closing in Dec. @ 2 year mark

Chase Amazon $700

HSBC Direct Rewards Discover $300

GEMB Walmart Discover $1k (CLD from $2500 )

BOA Amex $2500

Amex Delta $1k

 

Store Cards

Home Depot $2k

Dillards $250

Sams Club $500

Target $500

Macys $1500

Chevron $600

Dell $2k

A couple WFNNB store cards

 

Got most of my cards during credit repair. I'm looking to get a $5k or above card now that my reports are clean and baddies are all over 7 years so no surprises.

Edited April 6, 2008 by lorcat