Upped a few credit lines yesterday. Two required hard pulls. YouTube finance gurus say that should only ding my FICO a few points and for only a few months. Next big FICO target date: April 2018. Should see the Bell South collections charge drop off under the 7-year rule. I'd expect FICO to jump quite a bit then as there will be absolutely no derogatories within the credit window of 7 years.
BankAmericard Cash Rewards VISA: From $10,000 to $15,000. Hard pull. Done online.
Chase Amazon Prime Rewards VISA: From $2,000 to $7,000. Hard pull. Done over phone.
DISCOVER More: From $11,500 to $13,500.
FNBO AMEX: Still saying "no account eligible at this time." Stays at $5,500..
AMERICAN EXPRESS Blue Cash Preferred: From $12,500 to $15,000.
Synchrony Bank / Walmart MASTERCARD: Increase denied.
Citi Simplicity VISA: From $$5,800 to $7,300.
Citi Double Cash Rewards MASTERCARD: From $5,700 to $7,200.
Didn't request increases for:
Barclay Choice Rewards VISA: $10,000.
Fairwinds Credit Union Platinum Rewards VISA: $5,000.
Dell Line of Credit: $3,000
Here are the current stats:
Credit Utilization:
Total Credit Line: $96,500
Total Credit Debt: $1,600.29
Credit Utilization: 1.6%
Credit Scores:
TU FICO: 721, EQ FICO 733, EX FICO 718, EX Bankcard Score 8 FICO 738
Credit Karma: TU: 797, EQ: 807
Assets:
2013 Chevrolet Spark, 16,879 miles, Cond. Very Good
Kelley Blue Book Trade-In Value:$4,808
Investments:
OneAmerica 403b: $29,037.49
Savings:
Discover Bank @ 1.10% APY: $5,174.35
BankAmericard Cash Rewards VISA: From $10,000 to $15,000. Hard pull. Done online.
Chase Amazon Prime Rewards VISA: From $2,000 to $7,000. Hard pull. Done over phone.
DISCOVER More: From $11,500 to $13,500.
FNBO AMEX: Still saying "no account eligible at this time." Stays at $5,500..
AMERICAN EXPRESS Blue Cash Preferred: From $12,500 to $15,000.
Synchrony Bank / Walmart MASTERCARD: Increase denied.
Citi Simplicity VISA: From $$5,800 to $7,300.
Citi Double Cash Rewards MASTERCARD: From $5,700 to $7,200.
Didn't request increases for:
Barclay Choice Rewards VISA: $10,000.
Fairwinds Credit Union Platinum Rewards VISA: $5,000.
Dell Line of Credit: $3,000
Here are the current stats:
Credit Utilization:
Total Credit Line: $96,500
Total Credit Debt: $1,600.29
Credit Utilization: 1.6%
Credit Scores:
TU FICO: 721, EQ FICO 733, EX FICO 718, EX Bankcard Score 8 FICO 738
Credit Karma: TU: 797, EQ: 807
Assets:
2013 Chevrolet Spark, 16,879 miles, Cond. Very Good
Kelley Blue Book Trade-In Value:$4,808
Investments:
OneAmerica 403b: $29,037.49
Savings:
Discover Bank @ 1.10% APY: $5,174.35