VintageWillow

What was the DOFD and what state are you in?

They are paid, so that is better than balances sitting out there, and they will hurt less over time.

If everything is reporting correctly, I'd say let them sit and fall off. If you dispute, they will look newer to the algorithm, thus hurting your score.

YMMV: Their explicit rule is 2 cards, but I currently have 3 and have had as many as 4 at one time, however when I tried to get the savor card I was denied. Not sure if it was the too many cards rule or high UTI at the time.

Auto CLI from my local CU cash rewards card $11,000 ---> $12,000 Not earth shattering, but I'll take it. I haven't been getting increases until recently due to having to over utilize my cards (even the opposite with Barclays balance chasing me), but I guess some can see how diligently I have been working to pay everything off

And that might get me back in with Chase

Which is good... one less thing.

They can be quite entertaining... Seriously though, I do have one lender that uses Vantage. My local CU that I have all the credit I want with them so I have no need to apply for anything else there

Mine was IIB. They made me mad on the banking side a few years before my BK, so it hasn't been a big priority for me to give them any more of my business

Some banks offer FICO scores as perks so that you don't have to pay. If you are intending a big purchase like a house, then yes, paying for the FICO scores that the lenders use is worth it. Scores can go down (weather FICO or FAKO) with disputes as if the disputed item is not removed, it updates the date, making it (for scoring purposes) look newer. That is one of the unintended consequences of disputing thigs. There can be others, which is why we don't advise just disputing for the sake of disputing. We also advise agents online disputes, as they rarely work.

I don't know about prefer, but I do some of my business on my phone that I need apps for... I am running out of memory on the phone. I don't have any apps I don't use (except for the ones that come preinstalled and they won't let you uninstall them), so a new app for everything drives me nuts. Now every restaurant and hair cutting place also expects you to have their app as well.

Credit Karma uses Vantage scores. Lenders don't use these scores so they are useless. Some credit cards also provide you with Vantage scores, so without knowing what cards you are talking about, we don't know. The scores that banks use are FICO. Some cards will give you FICO scores. There are also paid services that you can use to get your FICO scores.

I haven't gotten back with Citi or BofA. It's been over 10 years, but I haven't tried in a while.

I bet we can offer you a refund of your member fee

I hadn't even really intended to apply, but I got a prescreened offer for a 0% introductory APR. I am currently working on paying off debt that I acquired when I was underemployed, so FNBO wasn't even on my radar. My high UTI right now is probably the reason for the low limit.