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DebtFreeIn04

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About DebtFreeIn04

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  • Location
    South Carolina
  • Interests
    Working till I'm 80! Lol God I hope not!!!

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  1. I think I'll just let it go, will still get 10 years reporting as closed right? Really have no need for it .My accounts age is good. 24 open accounts and 20 closed 8 yrs. 5 - 18 yr old open accounts.
  2. Anyone else have this happen? Haven't used in about a year they CLD'd me from 2000 to 1000 4 months ago, tried calling to restore CL they said no. Macys.com shows my 1000 CL ... weird Not worried just thought was odd.
  3. Might have more justification to sell the doublwide and get a new one , stay put rather than relocating.
  4. Currently Live in South Carolina, fico 8's 708,714,717. Credit card utilization 35%, late pays 6.5 yrs ago only thing holding score back. Salary 114,300. I'm not in a rush but when the time is right maybe 1 year or so would like to know best first actions, e.g. talk to mortgage broker for pre approval etc? Im currently 61, Due to alot of bad decisions i didn't buy first home till 6 years ago, no mortgage, promissory note with relative. Now life is heading in a good direction. Have know idea if it's a good idea to entertain moving to a nicer place. Or what things to consider. I'll probably be working for a good 8 years if all is right with the world lol. I have 1.25 acres the double wide is 20 years old in decent condition. One question is move to nicer area, or maybe buy new modular /double wide on the existing property ? My ego wants me to buy new place would like 5 acres and a dwelling. I appreciate being able to post this y'all have been very helpful and it helps to get this in print instead of my brain. Note the zesimate for my place and surrounding area has gone up quite a bit. Oh shoot one more thing I have a va loan benefit I've never used.
  5. I received this request also 2 days ago. I reported it with the flag thing then got a warning from Creditboards admin for me not to do that anymore 🤣
  6. Woohoooo Blaze Mastercard credit limit up to 1500 also says most people start at 350. AF 75 + user fee 20. 29.9 apr. 🤣🤣🤣
  7. Just checked experian trial for all 3 fico 8 scores on a whim. Thought I was in the 670 to 680 range from discover and amex fico. EQ 703 TU 700 EX 680 That's with 57% utilization (working hard on that) 5-6yr old late pays All else pretty clean 8 yr old aaoa. 24 open and 20 closed accounts. Just scored nfcu 12k 2nd New account in 2 years. Thinking of rolling the dice again but would have to be something useful. Thanks to all you smart guys and gals for help and support.
  8. Hi Heg. I have 24 open accounts 20 closed reporting . Aaoa Is 8 years. 5 open accounts are 18 years each. I just applied/approved for the nfcu account this morning, it is not reporting as of today. Still thinking about it. 🤔 Looked at credit pulls looks like if any I might get 3k or so credit limit on Amazon or any other decent card. Think I'll cool it and go for cli's for the next 6 months. NFCU is my 2nd account opening in 2 years.
  9. I was gonna wait...then I didn't. With 57% and dropping cc utilization, Fico 8 TU 674, EX 680, a few late pays from 6 years ago, no collection etc. I was scheming how to help my utilization. I looked at credit pulls for the last couple months and NFCU Amex more popped up a couple times so I did it. Approved 12k, 12.99% TU pull. Should help utilization and I'll check out bal txr. That should put my overall utilization below 49% I'm thinking without having to do math this early. 🤣 Was thinking of rolling the dice again to lower utilization without doing it the standard way of paying down the debt, which i have been would just like a little boost. Thinking of Amazon store card then I thought maybe a little patience is in order. What do y'all think? Any low hanging fruit that actually would serve a reasonable purpose? I've maxed outmy CLI requests at least for this month lol.
  10. I was gonna wait...then I didn't. With 57% and dropping cc utilization, Fico 8 TU 674, EX 680, a few other late pays from 6 years ago, no collection etc. I was scheming how to help my utilization. I looked at credit pulls for the last couple months and NFCU Amex more popped up a couple times so I did it. Approved 12k, 12.99% TU pull. Should help utilization and I'll check out bal txr. That should put my overall utilization below 49% I'm thinking without having to do math this early. 🤣
  11. DebtFreeIn04

    NFCU

    Columbia

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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