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ImBack
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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. 

 

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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? 

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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.

 

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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 by cv91915
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