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  1. Thanks, I've done a lot of reading up but didn't see anything on this. I'm going to search and see. That said, I am doing what I can. Think the best I can do is get it down to 2 or 3 right now in my current situation
  2. Hello, Now from my understanding, accounts with balances doesnt affect score per se, but, affects lenders willingness to lend to you. Now I assume they are measuring things that can have zero balances but arent closed? If that's the case, my Util is like 35% but have 13 open lines and 4 have zero balances. (Was worse before) Several have like minimal balances and Im cleaning those up so it should be 3 or 4 out of 13 with balances. Would that ratio be ok? Am I understanding this correctly? Tried to get a cli from barclays recently with a 738 fico TU and was rejected. Only reason they gave was number of accounts with balances.
  3. They pulled experian and I have a 721 score. I have one 30 day late from July, which really shouldnt be on there, but thats another story. Rest of the report is clean. AAOA is 6.6 years. Was prequalified on both these, thats why i figured Id give them a try. Havent tried for any credit besides business loans for a year or two. Guess I need to get debt down more or something. I do have several loans on there for vehicles as thats my business but not sure what else Im missing. Is the number of accounts with balances a major factor? Not scorewise right, but, lender criteria? Hope some can give advice and this helps others
  4. I have 3 cap one accounts, wonder if I should just try with another..All 3 have less than 1% utilization
  5. Im on the phone with them now. They say only do a soft pull so either way wouldnt hurt. He couldnt find an explanation why they pulled from November 24, 2020 but said I could try again right now or in a month, etc. Guess it is what it is for the moment.
  6. The score was in the 500s and dated 11/24. I know my scores were in the high 600s fico. Maybe theres another score they were looking at? Just said equifax.
  7. I requested an increase on one of my capital one accounts and they denied me citing a two month old credit report with an inaccurate score on it. Anyone else have a similar experience. They pulled equifax .
  8. Went from $1000 to $2000 on one card and $1700 to $2700 on another...these are some of my lower limit cards. Discover and kohls denied me so far...
  9. would you guys happen to know about TD Bank? I have my business account with them. Was going to try .
  10. Its fico score 8.. 2. ive got 25 total accounts, 19 active...17 with balances, 6 with utilization over 90%. 3. no lates for history. Im just surprised that theres been zero uptick with like 4 accounts reporting major droppage in balance. There will be a lot more coming off in the next few weeks. Guess Ill see what happens. Is that what you mean by bucket? In some ratings class now?
  11. I have like 78k in credit card limits and carrying like 71k in balances and my score was 680. I am paying off most of it and I know it takes time for them to update but I see that 14k of it is already off but no score bump. Kinda disappointed because I have to renew my businesses insurance and was hoping for a bump to get a lower rate. Anyone know why there is no bump yet?
  12. Do you guys know of some business credit cards that you can get and dont report to personal ?
  13. money was in my account this Tuesday morning ...so app'd after hours Wednesday night, approved and signed docs Thursday. money in the account Tuesday.
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