580 replies to this topic

[hegemony]

Need your thoughts on my portfolio and what do you think my plan should be going forward.


Barclays - $3,800 (0412)

PNC Bank - $17,500 (04/12)

Amex Optima - $1300 (03/99)

Orchard MC - $900 (10/07) (secured)

Affinity Plus CU - $10,000 (08/11)

Macys Store - $2,500 (09/11)

Wellsfargo Visa (AU) - $4,000 (02/06) (authorized user)


AFCU Auto Loan - 36k (29k balance)
USBank Student Loan - 16k (10k balance)


Recently closed
Plains Commerce secured - 300 (03/12)
PNC Secured - 300 (04/12)


Score- Tu-726,Ex-717,EQ-657
INQ - TU-5, Ex-5, EQ-10


Paid off each month before the cutoff days for last one and half years on all cards. All has 0 or close to zero balance atm. Plan on getting a home loan in February 2013.

Your profile still has remnants of your Paleocredit era. You should consider killing Orchard (the age is not an issue here) and sweet-talk Amex into a better product; perhaps by applying for an amex charge card. The back dating will help your AAoA.

I am pleased to see PNC bank gives decent limits. Overall, while your total account number is low, you have an excellent set of core cards. The two installment loans are helpful, but only get you so far.

If those are FICO scores, I am curious to learn why EQ is so much lower; the inquiries alone do not explain the score variance. IF they are FAKOs, then ignore them.

Your grade is a B; it would be much lower if you had not made so much progress in the past 10 months. I recommend you sit tight until all your card accounts are 7 months old and then apply for a new amex card and then figure out what rewards cards out there can most benefit you; a gas rewards card seems in order. In general, you should consider DCU (free FICO) and perhaps a chase card. If you kill orchard you could put those funds on the higher APR of your two installment loans. If you kill orchard you will receive two gold stars; as it stand, one silver star for you.

ETA: I forgot about your post updating your portfolio. I just submitted a grade revision to the registrar's office. New grade B+

Edited by hegemony, 02 June 2012 - 05:52 PM.

[hegemony]

Graduated from college this past May and am now working. Will probably work for another year before heading to graduate school (and probably some graduate student loans). I'd love to hear your thoughts and what you think I should focus on going forward!

Citi mtvU Forward - 07/08 $11,500
Discover Open Road - 08/08 - $4000
Ameriprise MasterCard - 09/08 - $2,500
Alliant Platinum Rewards - 06/09 - $2,500

Amex Costco TrueEarnings - 10/11 - $11,500

congratulations on your graduation! Your cards already have decent age on them. Ideally, when your amex has reported its 13th cycle, applying for a couple rewards cards that serve your spending patterns is in order. This might be a good time to join PenFed, especially if you can take advantage of 5% back on gas, airfare, or both. Be careful as you enter graduate school. Don't do I as did and ignore the need to budget. Does your Citi card serve you well or would the mainline Forward card be better? If so, ask Citi for a conversion. I also think a Barclays card is in order. If you add Penfed, Barclays, and one other card you will be in excellent shape to emerge from graduate school with solid, aged, cards. Current grade B with a bronze star and a piece of cake for graduation.

[jabroni8218]

graduated from college

Target Visa - AU - $5.5K - 5.5 years old
Chase - AU - $19K - 11yrs old
Discover - mine - $2,000 (just upped from $500) - 2.5 years old
Wells Fargo - mine - $3,200 (just upped from $2,000) - 1.1 years old
Amex BCE - mine - $7,500 - 7.5 months old
Priceline Visa - mine - $5,000 - 6 months old

Trying to ponder if I should go for a gas card, my commute is short at present but it may be a major expense with travel.

Thoughts?

[hegemony]

Take a shot at this one Hege...

HSBC - BestBuy RewardZone - $2700
Citi - Diamond Preferred - $3200
Alliant CU - Rewards - $2500
Chase - Slate - $1200
Discover - Open Road - $3500
Cap 1 - Platinum - $2500
Penfed - Platinum Rewards - $3000
Chase - Amazon - $2000
Chase - Freedom - $2000
BoA - BankAmericard - $5000
Citi - AAdvantage - $7000

I do have an auto loan and various student loans as well.

You score high on mix of creditors, although you are a bit heavy with chase. Unless the chase products serve individual purposes, I recommend you combine some limits. Also, the two citi cards seem like an odd choice when forward pays more back for amazon purchases than the chase amzn card. To put it bluntly, you need to establish higher limits. In addition to this, adding a barclays card and perhaps another CU (maybe DCU for the free FICO) would round-out your diversity. You squeaked into a B mainly owing to your mix of creditors. To move to the top of the class you need a little more diversity and higher limits.

[johnconndc]

Graduated from college this past May and am now working. Will probably work for another year before heading to graduate school (and probably some graduate student loans). I'd love to hear your thoughts and what you think I should focus on going forward!

Citi mtvU Forward - 07/08 $11,500
Discover Open Road - 08/08 - $4000
Ameriprise MasterCard - 09/08 - $2,500
Alliant Platinum Rewards - 06/09 - $2,500

Amex Costco TrueEarnings - 10/11 - $11,500

congratulations on your graduation! Your cards already have decent age on them. Ideally, when your amex has reported its 13th cycle, applying for a couple rewards cards that serve your spending patterns is in order. This might be a good time to join PenFed, especially if you can take advantage of 5% back on gas, airfare, or both. Be careful as you enter graduate school. Don't do I as did and ignore the need to budget. Does your Citi card serve you well or would the mainline Forward card be better? If so, ask Citi for a conversion. I also think a Barclays card is in order. If you add Penfed, Barclays, and one other card you will be in excellent shape to emerge from graduate school with solid, aged, cards. Current grade B with a bronze star and a piece of cake for graduation.

Thank you for the advice!

Quick question (though I don't mean to sidetrack other responses), what do you mean exactly by a "mainline" forward? I realize that I had a student mtvU card, but is there some way of telling if I still have a student forward? Is there a difference between it and the "mainline" forward?

Thank you again!

[hegemony]

TIA

Charge Account Wfnnb/Exp 9/2011 0/250
Charge Account Kay 9/2011 0/7500
Charge Account MacYsdsnb 5/2010 0/400

Credit Card Barclaysbk 10/2011 0/1500
Credit Card CMCU VISA 11/2011 705/2500
Credit Card Cap One 6/2010 0/600
Credit Card Hsbc Bank, 3/2008 0/900
Credit Card Nuvision 8/2010 0/1000
Credit Card NFCU 4/2012 0/17,500
Credit Card Walmart 4/2012 0/1800

Installments
Student Loan 4/2003
Lexus Financial 10/2010

Closed
Other Hsbc Bank-BestBuy 6/2010 0
Other Sears/Cbna 10/2001 0

You must have skipped ahead in the textbook and learned the lesson on the importance of credit unions! You have a good mix of creditors, although you need to move away from the crap1 and hsbcs of the world and toward better products. One place to start is to ask NuVision for a CLI. Is there something precluding you from chase or amex? If not, seek out a card from one of the two that serves your purposes. Your grade is hurt a little because of the low-limit-hangers-on. Even with quality lenders, like a CU, if it does not grow with you at some point you need to show them the door and move on to lenders that properly judge your worth. The charge accounts are rather ho-hum. Are these accounts you use and get rewards for or just there to look pretty? B- but with much room for improvement; next semester starts in a few weeks so you are poised to progress! You also receive three gold stars for buying a LExus.

[hegemony]

Graduated from college this past May and am now working. Will probably work for another year before heading to graduate school (and probably some graduate student loans). I'd love to hear your thoughts and what you think I should focus on going forward!

Citi mtvU Forward - 07/08 $11,500
Discover Open Road - 08/08 - $4000
Ameriprise MasterCard - 09/08 - $2,500
Alliant Platinum Rewards - 06/09 - $2,500

Amex Costco TrueEarnings - 10/11 - $11,500

congratulations on your graduation! Your cards already have decent age on them. Ideally, when your amex has reported its 13th cycle, applying for a couple rewards cards that serve your spending patterns is in order. This might be a good time to join PenFed, especially if you can take advantage of 5% back on gas, airfare, or both. Be careful as you enter graduate school. Don't do I as did and ignore the need to budget. Does your Citi card serve you well or would the mainline Forward card be better? If so, ask Citi for a conversion. I also think a Barclays card is in order. If you add Penfed, Barclays, and one other card you will be in excellent shape to emerge from graduate school with solid, aged, cards. Current grade B with a bronze star and a piece of cake for graduation.

Thank you for the advice!

Quick question (though I don't mean to sidetrack other responses), what do you mean exactly by a "mainline" forward? I realize that I had a student mtvU card, but is there some way of telling if I still have a student forward? Is there a difference between it and the "mainline" forward?

Thank you again!

I guess I was assuming you had the student forward, but if your card is the mainline forward you're in great shape.

[hegemony]

Fresh off a refi and looking to add a new card, but only if the rewards are going to beat what I have now.

Here's what I have now, sorted by age, oldest first.

Discover Open Road $10,000.00
Capital One Visa Platinum $4,000.00
Citi Dividend World Mastercard $18,050.00
American Express Blue Cash Preferred $25,000.00
Chase Amazon Visa Signature $10,000.00
Chase Freedom Mastercard $5,500.00
US Bank Linux Fund Visa Signature $9,000.00
Bank of America World Mastercard $10,000.00
Citi Thank You Mastercard $1,200.00
Chase Southwest.com Rapid Rewards Visa Signature $7,200.00

Will be closing the Southwest card before the AF is due in November. Might close the Thank You card as well because of the limit. Would be nice if they'd let me merge it into the Dividend WMC.

I see you've read chapter 4 on who's who of wall street banks! You have a nice assortment of major lenders; but you need to think CU and oddball (see chapter 9). Combining the SW with Freedom would be a good move, as well as TY and DW with Citi. You might be surprised by this but your grade is a B even though you have a lot of work to do if you want it to increase. The most obvious need is for you to obtain 2 or 3 solid rewards cards from credit unions. The NASA 2% back card would be good for categories not hit by your extant cards (you could also look at the 2% priceline card from Barclays for this). Penfed or DCU also might be good to you. The only way for you to move to the top of the class is to add a couple oddballs and CUs. If you do, I would have no choice but to change your grade to a solid A.

[gbar]

Fresh off a refi and looking to add a new card, but only if the rewards are going to beat what I have now.

Here's what I have now, sorted by age, oldest first.

Discover Open Road $10,000.00
Capital One Visa Platinum $4,000.00
Citi Dividend World Mastercard $18,050.00
American Express Blue Cash Preferred $25,000.00
Chase Amazon Visa Signature $10,000.00
Chase Freedom Mastercard $5,500.00
US Bank Linux Fund Visa Signature $9,000.00
Bank of America World Mastercard $10,000.00
Citi Thank You Mastercard $1,200.00
Chase Southwest.com Rapid Rewards Visa Signature $7,200.00

Will be closing the Southwest card before the AF is due in November. Might close the Thank You card as well because of the limit. Would be nice if they'd let me merge it into the Dividend WMC.

I see you've read chapter 4 on who's who of wall street banks! You have a nice assortment of major lenders; but you need to think CU and oddball (see chapter 9). Combining the SW with Freedom would be a good move, as well as TY and DW with Citi. You might be surprised by this but your grade is a B even though you have a lot of work to do if you want it to increase. The most obvious need is for you to obtain 2 or 3 solid rewards cards from credit unions. The NASA 2% back card would be good for categories not hit by your extant cards (you could also look at the 2% priceline card from Barclays for this). Penfed or DCU also might be good to you. The only way for you to move to the top of the class is to add a couple oddballs and CUs. If you do, I would have no choice but to change your grade to a solid A.

I had kinda assumed I wouldn't be able to combine the SW with Freedom, but was planning on giving it a shot as I got close to the AF.

Ditto with the Citi cards. I figured at best I could move $700 of the TY to the DW, which they let me do in the past, and leave $500 on the TY (which I would then close, most likely).

I don't spend nearly enough to get 2% on that NASA card (appears to only pay 2% on monthly usage over $2000). I only spend an average of $1000-1100 a month total and mostly on things that already get me more than 2% (groceries, gas, amazon stuff). The only cards I knew of that'll provide me any benefit rewards-wise over what I have now are the Capital One 1.5% one and the Fidelity 2% one. Would love to get a good CU rewards card but haven't found one really worth it. I'll also take a look at the Priceline one since you mentioned it.

Thanks for looking.

[hegemony]

I don't spend nearly enough to get 2% on that NASA card (appears to only pay 2% on monthly usage over $2000). I only spend an average of $1000-1100 a month total and mostly on things that already get me more than 2% (groceries, gas, amazon stuff). The only cards I knew of that'll provide me any benefit rewards-wise over what I have now are the Capital One 1.5% one and the Fidelity 2% one. Would love to get a good CU rewards card but haven't found one really worth it. I'll also take a look at the Priceline one since you mentioned it.

Thanks for looking.

the nasa tiers are for annual spending not monthly (the terms for the card state this, there is a mistake on its website)
barclays price line card has a 2% version too.

[SDCAinDC]

Take a shot at this one Hege...

HSBC - BestBuy RewardZone - $2700
Citi - Diamond Preferred - $3200
Alliant CU - Rewards - $2500
Chase - Slate - $1200
Discover - Open Road - $3500
Cap 1 - Platinum - $2500
Penfed - Platinum Rewards - $3000
Chase - Amazon - $2000
Chase - Freedom - $2000
BoA - BankAmericard - $5000
Citi - AAdvantage - $7000

I do have an auto loan and various student loans as well.

You score high on mix of creditors, although you are a bit heavy with chase. Unless the chase products serve individual purposes, I recommend you combine some limits. Also, the two citi cards seem like an odd choice when forward pays more back for amazon purchases than the chase amzn card. To put it bluntly, you need to establish higher limits. In addition to this, adding a barclays card and perhaps another CU (maybe DCU for the free FICO) would round-out your diversity. You squeaked into a B mainly owing to your mix of creditors. To move to the top of the class you need a little more diversity and higher limits.

As busy as you are, I greatly appreciate the response and feedback. I should update that as things have changed a bit since that original post.

• I no longer have the Cap 1; closed it per my request.
• I received a CLI from PenFed to $5,000.
• I added the Amex Premier Gold Rewards

How do you suggest combine the Chase limits? I emailed them online through my account access, but at the time I was told those cards could not be combined at all. Do you have any numbers or contact suggestions as to who I should talk to (front line CSR or someone else)?

Also, I will be applying for a mortgage next month. I only have 3-4 inquiries right now, so do you think I'd be fine app'ing with DCU? My FICOs are all around 770 as of a few weeks ago.

Thanks!!

[agp]

Oops, forgot to post CL last time.

Citi Dividend MC 11/2004 10K
Chase Freedom Visa 11/2011 4.5K
Amex BCE 4/2012 8.2K
Penfed Platinum Cash Rewards Visa 6/2012 4.5K
Chase Sapphire Visa 6/2012 ?K
Barclays US Airways MC 6/2012 5K
No loans/mortgages/late payments

Am I diversified?

I want to hold on to Barclays for 11 months then cancel it. Then next year around Feb/March apply for 2 Citi AAdvantage and get 100K miles. Is this a good plan?

Edited by agp, 03 June 2012 - 10:31 PM.

[tjguitar]

Here's mine:

NAVY FCU CashRewards $17,000
AMEX Blue Cash Everyday $10,900
CITI Thank You Preferred MC $8,000
PENTAGON FCU Visa $9,500
CHASE FREEDOM Visa $12,000
CHASE AMAZON Visa $4,000 (oldest card)
CITI FORWARD Visa $7,800
DISCOVER $1,500 (oldest card)
FIDELITY AMEX $10,000
PENTAGON FCU AMEX $6,000

[gbar]

I don't spend nearly enough to get 2% on that NASA card (appears to only pay 2% on monthly usage over $2000). I only spend an average of $1000-1100 a month total and mostly on things that already get me more than 2% (groceries, gas, amazon stuff). The only cards I knew of that'll provide me any benefit rewards-wise over what I have now are the Capital One 1.5% one and the Fidelity 2% one. Would love to get a good CU rewards card but haven't found one really worth it. I'll also take a look at the Priceline one since you mentioned it.

Thanks for looking.

the nasa tiers are for annual spending not monthly (the terms for the card state this, there is a mistake on its website)
barclays price line card has a 2% version too.

Congratulations, you have been approved for your

priceline rewards Visa® card

with a credit line of $9,800.00

[johnconndc]

Graduated from college this past May and am now working. Will probably work for another year before heading to graduate school (and probably some graduate student loans). I'd love to hear your thoughts and what you think I should focus on going forward!

Citi mtvU Forward - 07/08 $11,500
Discover Open Road - 08/08 - $4000
Ameriprise MasterCard - 09/08 - $2,500
Alliant Platinum Rewards - 06/09 - $2,500

Amex Costco TrueEarnings - 10/11 - $11,500

congratulations on your graduation! Your cards already have decent age on them. Ideally, when your amex has reported its 13th cycle, applying for a couple rewards cards that serve your spending patterns is in order. This might be a good time to join PenFed, especially if you can take advantage of 5% back on gas, airfare, or both. Be careful as you enter graduate school. Don't do I as did and ignore the need to budget. Does your Citi card serve you well or would the mainline Forward card be better? If so, ask Citi for a conversion. I also think a Barclays card is in order. If you add Penfed, Barclays, and one other card you will be in excellent shape to emerge from graduate school with solid, aged, cards. Current grade B with a bronze star and a piece of cake for graduation.

Thank you for the advice!

Quick question (though I don't mean to sidetrack other responses), what do you mean exactly by a "mainline" forward? I realize that I had a student mtvU card, but is there some way of telling if I still have a student forward? Is there a difference between it and the "mainline" forward?

Thank you again!

I guess I was assuming you had the student forward, but if your card is the mainline forward you're in great shape.

Couldn't quite wait.

Apped PenFed Platinum Rewards, got it with a $6,500 line!

Thanks again for the advice!

[sb913594]

TIA

Charge Account Wfnnb/Exp 9/2011 0/250
Charge Account Kay 9/2011 0/7500
Charge Account MacYsdsnb 5/2010 0/400

Credit Card Barclaysbk 10/2011 0/1500
Credit Card CMCU VISA 11/2011 705/2500
Credit Card Cap One 6/2010 0/600
Credit Card Hsbc Bank, 3/2008 0/900
Credit Card Nuvision 8/2010 0/1000
Credit Card NFCU 4/2012 0/17,500
Credit Card Walmart 4/2012 0/1800

Installments
Student Loan 4/2003
Lexus Financial 10/2010

Closed
Other Hsbc Bank-BestBuy 6/2010 0
Other Sears/Cbna 10/2001 0

You must have skipped ahead in the textbook and learned the lesson on the importance of credit unions! You have a good mix of creditors, although you need to move away from the crap1 and hsbcs of the world and toward better products. One place to start is to ask NuVision for a CLI. Is there something precluding you from chase or amex? If not, seek out a card from one of the two that serves your purposes. Your grade is hurt a little because of the low-limit-hangers-on. Even with quality lenders, like a CU, if it does not grow with you at some point you need to show them the door and move on to lenders that properly judge your worth. The charge accounts are rather ho-hum. Are these accounts you use and get rewards for or just there to look pretty? B- but with much room for improvement; next semester starts in a few weeks so you are poised to progress! You also receive three gold stars for buying a LExus.

Hegemony - Thanks for the input. I would never get approved for an amex, based on my lates with my business card that I use for work (its quite ridiculous on my part, but it is what it is). I did not think I was ready for Chase or Citi, but based on your comment. I applied and reconned with success with Chase (Wooo hooo).

The charge accounts were there b/c I was seeking to get some kind of credit, now I leave them open for the age factor but don't use them. I don't even shop at Express...I meant to apply for the Limited, but I got them confused. Kay Jewelry sucks imo and they are overpriced but again I leave it for the account aging and utilization purposes.

The low hangers, I'm keeping for age. I'm still not clear if companies look at your average age of all accounts or all open, but if it is the latter, those two are helping me in that area.

RE: Lexus - Yes I love my lil baby. :-)

[Alexa530]

Ok, I'm game:

Delta AMEX, 12,000/900
Alliant Visa 10,000/980
Nordstrom Sig Visa 10,000/0
PenFed Amex 9,500 (just approved 6/6/12)
BBRZ Plat 8,000/750
Lowe's 8,500/0
Jareds 7,500/0
UMB Visa 7,500/530
Dillard's AMEX 7,000/0
Home Depot 5,800/0
AMEX BCP 5,000/0
Citi Dividend Plat 4,800/60
Discover More 4,500/0
AMEX Hilton 4,000/0
Cabela's Visa 4,000/0
US Airways MC 3,900/0
Walmart 3,350/0
Barclay's Reward MC 3,300/0
Cap One Platinum Visa 3,000
Kohl's 1,000/0
Macy's 1,000/0
AMEX Gold PR - NPSL./0

Installments: Mortgage (GMAC)
BMW Finan. Srvcs

[SCC]

2 years out of college.

Oldest to newest, no cards have balances

5/3 - 2k - (opened 2005)
Cap1 - 2k (opened 2005)
Chase Marriott Premier - 5k (opened 2006)
Nordstrom sig - 5k (opened 2011)
Chase Freedom - 5k (opened 2011)
PSECU - 20/20 (opened 2011)
Amex Zync - 500 hard <- lol (opened 2011)
JPM Select - 10k (opened 2012)
JPM Ritz - 10k (opened 2012)

Installment:
Infiniti lt
3 paid off student loans opened in 06 paid in 2010 when grace ended

Edited by SCC, 07 June 2012 - 04:32 PM.

[mellon]

I'll give it a shot

Orchard/Capital One 1/06 $800
Target 9/07 $1000
Macys 11/07 $2500
Amex BCE 7/08(PC from Delta) $1000
Walmart 7/08 $1000
Kay Jewelers 7/08 $1500
Exxon 7/08 $750
Belk 8/08 $1100
Bloomingdales 8/08 (not sure of limit anymore..last known limit was $3800)
Navy Federal CR 9/11 $10,000
Navy NavChek 10/11 $5000
Shell 10/11 $600
Home Depot 10/11 $1000
Sams Club 10/11 $900
Lowes 10/11 $1000
JC Pennys 10/11 $500
Discount Tire 10/11 $700
Discover Open Road 10/11 $1000
Barclays Apple 10/11 $3500
Firestone 10/11 $1400
Kohls 3/12 $400

Currently 2 paid CO's and 1 unpaid Midland CO.

CU Membership only- Alliant, Penfed, SDFCU, Andrews FCU, NCSECU and NASA FCU.

Edited by mellon, 12 June 2012 - 11:51 AM.

[SCC]

2 years out of college.

Oldest to newest, no cards have balances

5/3 - 2k - (opened 2005)
Cap1 - 2k (opened 2005)
Chase Marriott Premier - 5k (opened 2006)
Nordstrom sig - 5k (opened 2011)
Chase Freedom - 5k (opened 2011)
PSECU - 20/20 (opened 2011)
Amex Zync - 500 hard <- lol (opened 2011)
JPM Select - 10k (opened 2012)
JPM Ritz - 10k (opened 2012)

Installment:
Infiniti lt
3 paid off student loans opened in 06 paid in 2010 when grace ended

Added Citi AA Visa and AA AmEx both with 12k limits.

[TeachMeMaster]

Hege

I know I need to replace most of my cards but what do you recommend I start given the age?

[itrev82]

Yeah this is interesting.. Is Hegemoney still handing out results?

Alliant CU - $7500
Cap One - $3500
Cap One - $2000
Hoot - $3000
Senate CU - $3000
WM Discover - $1400
Abercrombie - $1000
Barclays iTunes - $5000

CU Auto Loan - $23k-ish
Mortgage - $75k-ish

BK 6/06

Post BK you have made great strides toward amassing a high performance portfolio. As you are aware, post BK limits your card options, but you can do more to explore the very good products that are open to people post BK. Give up on obtaining more hooters or crap1 cards. Focus on CUs and oddballs that are BK friendly. Barclays has some products that, with recon, are often open for BKers. Considering you're post BK, you score a solid B- but are very close to a high B.

Hey Hege - its been a few months and made some changes - wanted to see if I could get an updated score

Alliant CU - $15,000
USAA - $15,000
Cap One - $3,500
Cap One - $2,000
Senate CU - $13,000
WM Discover - $1,400
Abercrombie - $1,000
Barclays iTunes - $7,500
Nordstrom's Store - $,3000
PenFed Platinum Rewards - $3,000
Dillard's Amex - $800


CU Auto Loan - $21k-ish
Mortgage - $75k-ish

BK 6/06 - I recently was able to get all BK notations (IIB and PR) removed from EQ, so did a few apps/CLI's with EQ pullers.

Thanks in advance!

[road2freedom]

Hege you can skip my post for my wife's account. I have a plan in place.

[cj123]

List your credit cards, issuers and limits to find out the answer to the age old question: am I Diversified?

ok I have a little more cards than last time!

cap1-5/06-2200
Boa- 4/08-1500
hsbc-7/08-750
citi- 4/12-1500
citi-4/12-ty-1000
alliant cu-7/12-500 got reduced!
discover more7/12-1000
amex zync-4/00
walmart-4/12-700
jcp-7/10-900
merrick-3/08-2300
elfcu loc-500

Edited by cj123, 21 July 2012 - 08:49 PM.

[Violentb01]

Hey Hege, anychance I can be graded? Cards in sig.