ImBack Posted August 15, 2020 Share Posted August 15, 2020 I’ve decided to create an account after years of following, reading and implementing. Ten years ago my scores were in the toilet. All three scores are now over 790 with the elusive 800 just on the edge of the horizon. Debt utilization less than 1%. Sixteen open credit cards. No mortgage debt (paid cash for both houses). No auto loan. No personal lines of credit. Average age 18.2 years. No collections. No public records. Previous addresses deleted. Personal information correct. A 30-day late from May when Elan purchased BMW card account and I didn’t move the autopay. A 30-day late from June 2014 that I can’t get BOA to remove. What now? And thanks for all the free advice that got me here. Quote Link to comment Share on other sites More sharing options...
Admin MarvBear Posted August 15, 2020 Admin Share Posted August 15, 2020 Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros! If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum. Again, welcome to the CreditBoards family! CB Admin: Pam, MarvBear, radi8, LKH & 😇breeze😇 Quote Link to comment Share on other sites More sharing options...
hegemony Posted August 15, 2020 Share Posted August 15, 2020 welcome to CB! have you tried a GW letter with Elan? Quote Link to comment Share on other sites More sharing options...
ImBack Posted August 15, 2020 Author Share Posted August 15, 2020 No, of course not. Drafting one right now. I’ll ship it out USPS today. Quote Link to comment Share on other sites More sharing options...
ImBack Posted August 16, 2020 Author Share Posted August 16, 2020 Found he right owes on on linked in and sent a letter. i haven’t applied for a new card since 2014. Any suggestions. I have Cards with AMEX, BOA, Barclays, Chase, Elan, Citi, NFCU, and Wells Fargo. My finger is itching. swimmingwithsharks 1 Quote Link to comment Share on other sites More sharing options...
swimmingwithsharks Posted August 17, 2020 Share Posted August 17, 2020 22 hours ago, ImBack said: Found he right owes on on linked in and sent a letter. i haven’t applied for a new card since 2014. Any suggestions. I have Cards with AMEX, BOA, Barclays, Chase, Elan, Citi, NFCU, and Wells Fargo. My finger is itching. What do you want your new card to provide? Rewards? What kind? A low or zero balance transfer rate? A high credit line? Chip and PIN for kiosks? cv91915 1 Quote Link to comment Share on other sites More sharing options...
ImBack Posted August 18, 2020 Author Share Posted August 18, 2020 Good question. I think high limit with cash back would be a good addition. Quote Link to comment Share on other sites More sharing options...
brainchasm Posted August 21, 2020 Share Posted August 21, 2020 On 8/18/2020 at 8:05 AM, ImBack said: Good question. I think high limit with cash back would be a good addition. Are you at your exposure cap with NFCU? High limit and cashback are possible there. Product change to CB card (if necessary), ask for CLI, boom. Quote Link to comment Share on other sites More sharing options...
ImBack Posted August 22, 2020 Author Share Posted August 22, 2020 Not sure about exposure limit. Non CB cart. Interest rate is 8.99% limit is 30K. Balance is $4.00. how do I determine exposure limit? Quote Link to comment Share on other sites More sharing options...
cv91915 Posted August 22, 2020 Share Posted August 22, 2020 (edited) On 8/15/2020 at 9:54 AM, ImBack said: All three scores are now over 790 with the elusive 800 just on the edge of the horizon. 👆 and 👇 don't add up for me... On 8/15/2020 at 9:54 AM, ImBack said: A 30-day late from May ... especially when you throw 👇 in (although this one is obviously pretty old). On 8/15/2020 at 9:54 AM, ImBack said: A 30-day late from June 2014 Where are you getting these scores, and which model is this? Edited August 22, 2020 by cv91915 Quote Link to comment Share on other sites More sharing options...
ImBack Posted August 22, 2020 Author Share Posted August 22, 2020 793 Experian FICO Score 9 - Wells Fargo 800 Equifax FICO Score 9 - NFCU 796 TransUnion Vantage 3.0 - TransUnion (not sure where to get FICO) also, 781 Experian FICO Score 8 - Experian cv91915 1 Quote Link to comment Share on other sites More sharing options...
DPB Posted August 22, 2020 Share Posted August 22, 2020 59 minutes ago, ImBack said: 796 TransUnion Vantage 3.0 - TransUnion (not sure where to get FICO) Discover will give you TU Fico 8. Quote Link to comment Share on other sites More sharing options...
ImBack Posted August 22, 2020 Author Share Posted August 22, 2020 Good to know, might be a reason to opt for discover... Quote Link to comment Share on other sites More sharing options...
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