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justaddwater

Help with Next Steps - Goal to raise Available Credit to $500k and 800 Ficos

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Re-engaged with CB recently. I logged in and found after several years, that my scores were in the lower 600's. After the initial round of disputes, I was able to get all baddies off my reports except (2) separate CH13 Filings on both TU and EX. One was almost two years ago, and one was in 2012 (will be deleted in Oct). EQ is perfectly clean. 

 

Current scores are: TU 680 - EX 649 - EQ 673

UTIL on all is currently 7%

Have (2) Auto Loans (Audi FS & University CU) Want to refinance the CU, as it's 9.9%

 

I am hoping to get the Filings off (both were dismissed). 

 

In the meantime, I have applied for several CC's. 

 

DCU - $3k

CapOne Quiksilver - $1k

NFCU - $700

 

and applied for Delta AMEX (Hoping to get a positive result). 

 

If anyone has any good suggestions, please lmk. I'm so grateful in advance and fully appreciate the assistance, and knowledge I have gleaned off this site. 

 

Thank You so much! 

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Posted (edited)

When did you open the 3 accounts CC's listed above?

 

Where did you get those scores?

 

IMPORTANT - Make sure you only have 1 account reporting a balance.

 

Edited by Kat58

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2 hours ago, justaddwater said:

 

DCU - $3k

CapOne Quiksilver - $1k

NFCU - $700

 

Are these your only open cards?  How new are they?

 

Is the $500k a personal goal, or do you have an intended purpose?

 

FWIW, I've amassed a lot of revolving credit since I joined CB, and my biggest regret in this regard is adding cards indiscriminately.  I still have some real steamers in my portfolio, and they require just as much effort to monitor as quality cards... and yet I'd be silly to use them when I have so many better options.

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On 1/9/2019 at 11:00 AM, Kat58 said:

When did you open the 3 accounts CC's listed above?

 

Where did you get those scores?

 

IMPORTANT - Make sure you only have 1 account reporting a balance.

 

Cap One was in November. NFCU and DCU were in December. 

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On 1/9/2019 at 11:13 AM, cv91915 said:

Are these your only open cards?  How new are they?

 

Is the $500k a personal goal, or do you have an intended purpose?

 

FWIW, I've amassed a lot of revolving credit since I joined CB, and my biggest regret in this regard is adding cards indiscriminately.  I still have some real steamers in my portfolio, and they require just as much effort to monitor as quality cards... and yet I'd be silly to use them when I have so many better options.

The only open cards I have are these 3, along with a crappy Fingerhut card for $300 limit. I have used the Cap One card and paid it fully, and intend to do the same thing every month. Capitol One said every 6 months, I will get an auto CL increase of $500. I'd really like to get some large CL cards. 

 

I also have a concern that Chase and Citi will not allow me to have cards with them, due to very old CO's. 

Edited by justaddwater

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