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XScottX

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  1. XScottX

    Gardening help

    May have to. I'm not offended exactly, I have a thin file but my income is high. Just odd, maybe in 6 months they grace me with a 10000 bump lol
  2. XScottX

    Gardening help

    I got my nfcu all opened up after a fashion, and got their cash rewards card. Toy limit for whatever reason but its a start i suppose. I need to get that personal loan down to about 500, and it should stabilize everything out to high 7's across the board. My main goal is the chase saphire card but i need to wait on that for a WHILE. So I have a revolver, and 2 CC's now both with toy limits. I used the cap one card to pay for my gym membership and put it in the draw. Any other ways to get out of toy limit hell and really get going?
  3. XScottX

    Credit Card Beginner

    I guess whichever practice makes the most sense to you. Prudence and realizing it is a toy limit, I'd do whatever to not have it be a toy limit for long and if hes making installment payments on a low limit card, the obvious choice is to li.it how it's used to insure payments are made, and keep the uti down. Side note: what are you getting out of taking an adversarial attitude with me?
  4. XScottX

    Credit Card Beginner

    I agree with you but as a beginner, and obviously having some challenges, it IMO is just good practice
  5. XScottX

    Credit Card Beginner

    Do not make installment payments on a CC, PIF when statement is cut. You're killing your opportunity to get credit increases and lowering your score. As a rule with any credit card, use NO MORE THAN 30% of maximum CL. So for that card, the max to use is $90. The reason for this is, if for whatever reason you apply for another card or you cant PIF, its never going to blast your score.
  6. XScottX

    Rent Track

    Anyone utilize this? Is it worthwhile, or is it, just another security risk andmore aggravation?
  7. Certainly makes my 50k domestic flying look amateurish
  8. XScottX

    Credit simulators

    I was just thinking about how to keep it alive with only 350 bucks left. I will talk to the banker and see. I am fine with keeping it alive at about a $10/payment for the next 2.5 years
  9. XScottX

    Credit simulators

    Sounds like the plan. I am going to get my navyfed opened and will hit them up for their cash rewards. Appears they favor tu
  10. XScottX

    Credit simulators

    Yes my 1 and only. I got approved for cap 1 (yes i know revolving) the personal loan was my only account until this morning. Its odd that EQ and EX scoring me so low and TU so high.
  11. XScottX

    Credit simulators

    Fico is indicating that my personal loan still having a "high" balance is hurting my score, but not sim seems to show this as even a factor. I have seen a lot of threads saying pay it off to about 8% of the loan as soon as you can but i cant seem to see how it hits my credit. My ex and eq have taken a beating since getting, and probably because i only have 1 brand new card that its making a dif. I age out my accounts on fico and it shows a substantial push upwards with the new card, and also shows aging 6 months as being a 40+ point push too. My personal loan was 3500, i owe 3200/ish would paying it down to about 300 make a huge dif?
  12. XScottX

    Gardening help

    Because my TU is fresh with no pulls (well 1 now) and no negs, I thought I'd try for BOA, pulled ex.... I cant catch a break with the creditpulls data base. Can anyone recommend a TU Pull for 3240* ? I just pulled 3b fico eq 678 Tu 731 ex 644 Getting that damn CA off my report smartened it up a bunch. I have no idea wtf with my other scores being so low, makes no sense. I have a AU card on my EQ with a 30k limit PERFECT history and I only have 1 late 4-12
  13. XScottX

    Gardening help

    I was approved for cap 1 for a toy limit of 500. Discover nope Everything i apply for seems to hit 2 reports, discover hit eq/ex/sage stream, whats that all about? Reason for denial TOO FEW ACCOUNTS CURRENTLY PAID AS AGREEDPROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGHLACK OF RECENT REVOLVING ACCOUNT INFORMATIONLACK OF RECENT BANK/NATIONAL REVOLVING INFORMATIONNUMBER OF INQUIRIES ON CREDIT BUREAU I have also found the credit pull database, never seems to be accurate for me. Discover also has stated my fico for ex is 644? I guess the personal loan hit, and inq really beat up my score. I have one late payment due to come off in the next couple of months. I am going to correct the unapproved INQ's If I recall Cap one will boost every 5 months of proper payments?
  14. XScottX

    Gardening help

    Great thanks. I found the opt in site and submitted, may the junk mail commence lol. Cap might be a toughie, I burned them in 12
  15. XScottX

    Gardening help

    I think it's from "clean up" and I havent turned anything back on. Good catch, I totally had forgotten. When I pull next month I'll turn everything back on So, now TU, is clean and has no inq, I guess I'll focus on going that route first. Ex will be free in April, and my EQ is june. I'll have to wait and see where my TU score lands, to whether I go secured or not at navy fed

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