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DebtFreeIn04

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Everything posted by DebtFreeIn04

  1. Woohoooo Blaze Mastercard credit limit up to 1500 also says most people start at 350. AF 75 + user fee 20. 29.9 apr. 🤣🤣🤣
  2. 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.
  3. 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.
  4. 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.
  5. 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. 🤣
  6. DebtFreeIn04

    NFCU

    Columbia
  7. Amex BCP is the only one left. Have just about made up the AF this year with rewards.
  8. Just checked ACR. No collection on EQ. 😁
  9. Credit Karma fako reported last collection fell off EQ at 6 yrs and 7months this weekend woohoooo. I think it will fall off EX later this month and TU in November. At least thats what paper reports said I pulled last month. Now to keep working on my 57% cc utilization. EX fico 8 = 683 , TU fico 8 = 676. Will probably look for balance txr , if they exist toward January or so.
  10. Just for data point 16 months since last purchase .
  11. Think it's from inactivity. Should have bought a T-shirt. Probably has been 1 year or so since last use. Think I should hit the button to get it back? Don't really want to burn an inquiry with them. Call there customer service? Just leave alone and keep paying down debt? My Discover CLI, +1000,last month makes it sort of a non event
  12. In March I asked Discover to give me an extra month. They did no adverse actions at that time. 1st cli in forever, from them last month. No remarks etc. On CR. Ymmv
  13. Just a data point penfed score has been unavailable for at least a week 🤓
  14. I recently had ID questions which had absolutely no relation to me. 🙄
  15. Oh shoot it's 12 month term. I should be able to pay off early. 🤓
  16. My gut tells me just to keep slamming the debt like I have for the last couple months. My utilization has gone from 72% to 58%. Any merit to this DCU loan. At first glance 10% is much lower than the rate on most of my cards that still have balances. Loan amt preapproved is $2000 6 months, 10%. I'm really waiting hopefully for a bal txr card offer from nfcu or other maybe by early 2021. I'd throw all of it to the highest rate card. What do y'all think? If the DCU rate was 5% probably be a no brainer. Btw I have no inquiries all 3 last 2 years.
  17. Kind of shocked! Discover luv +1000 from 11,900 to 12,900. 59% overall utilization no cards over 89%, many under 49% 4 cards zero balance. Discover utilization was at about 79%
  18. NFCU 0% 12 month balance txr invite. Probably should wait till couple individual cards are below 79%. Most others are below 49%, couple at 68%. Overall utilization down to 58%. Workin on slamming the debt! 🤓 TU FICO 662 EX fico 676
  19. Penfed hospital insurance plan offer woohoooo! 🤓
  20. Oh and I might have been thinking that nfcu might be easy way to increase overall credit limit thus decrease utilization. Maybe just slamming my debt would be better option. 🤔
  21. I guess I was thinking by January or so they might ave decent bal txr offer. Quick update: all cards are below 88% utilization, most are below 68%, many are below 49$ and 4 have zero balances. Overall utilization down to 58%. Waiting for the last card to report below 89%. Thinking of requesting cli on one of amex cards. 2 of 3 amex are zero balance 1 amex at 48%. Any downside to amex cli request at this point?

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