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  1. Thank you. That makes sense. I meant pay off whatever small balance I have with them. Or is it better to carry a very small balance for utilization? My current utilization is at about 2%. Thank you.
  2. Hello to all. I have read the comments on CLI's but I still have a question on the Discover CLI. So, I just applied yesterday and got an approval for $1000.00. I need advice on what to say if I decide to call the recon line or if like most of the comments I have read say. Should I just wait for the 3 months and make sure I pay everything off by then. Then call and ask for the CLI? Thanks to all.
  3. Hello All, Is it worth it to add/purchase a seasoned tradeline when you are already in the 660 TU, 656 EX and 615 EQ on your scores? Would this boost your scores up enough to make it worthwhile? Thanks all.
  4. Hello All, I am looking for ways to have these 3 Charge offs deleted from all 3 reports. All are around 3 years old. I have already disputed and they cam back as "verified" Possible PFD? Anyone have luck with these creditors? Thoughts? DCU, Wells Fargo and Barclays

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