veremchuka
Thinks s/he gets paid by the post
It was 741 and Sears closed my account because I did not use my credit card for 2 years! My score just dropped to 731. OK this isn't a serious problem but I have always been bothered that my score was only 741 and now it is lower.
I am retired. I've used my current VISA cc since 2006, seldom have a balance over $800 per month and I ALWAYS pay the balance off every month. I have never paid 1 cent in interest so I'm not carrying a balance. My credit availability is about 90% maybe 93%, the limit on the card has always been $10,000.
I have had an LL Bean cc since 2008 that I seldom use, maybe once a year. I checked it and the limit is $2,500. In 2009 they reduced it to that level because I wasn't using it! I don't know what the original limit was but after 1 year they lowered it? Jeesh I guess banks punish you for not using their card!
I don't have any loans having paid off the mortgage a few years ago. I buy used cars and pay cash. Any time in the past that I bought something using "their" installment program I always took advantage of the free time period and then paid it off before any interest would start. I have very good (excellent?) credit. I have never missed any mortgage payment (I've had 4 or 5) or any payment of any kind. Needless to say I've never declared bankruptcy or had any credit issues. I check my credit report every 4 months and it's been OK for many years, no issues there.
I'd like my credit score to be in the 800's, is that possible and if so how? I just asked the bank where my VISA is for an increase in my cc limit yesterday thinking that will increase my available credit percentage, I'll know in a week or so. I'm thinking I should apply for another cc with another $10k limit and use it sparingly just to boost the score.
Any ideas?
I am retired. I've used my current VISA cc since 2006, seldom have a balance over $800 per month and I ALWAYS pay the balance off every month. I have never paid 1 cent in interest so I'm not carrying a balance. My credit availability is about 90% maybe 93%, the limit on the card has always been $10,000.
I have had an LL Bean cc since 2008 that I seldom use, maybe once a year. I checked it and the limit is $2,500. In 2009 they reduced it to that level because I wasn't using it! I don't know what the original limit was but after 1 year they lowered it? Jeesh I guess banks punish you for not using their card!
I don't have any loans having paid off the mortgage a few years ago. I buy used cars and pay cash. Any time in the past that I bought something using "their" installment program I always took advantage of the free time period and then paid it off before any interest would start. I have very good (excellent?) credit. I have never missed any mortgage payment (I've had 4 or 5) or any payment of any kind. Needless to say I've never declared bankruptcy or had any credit issues. I check my credit report every 4 months and it's been OK for many years, no issues there.
I'd like my credit score to be in the 800's, is that possible and if so how? I just asked the bank where my VISA is for an increase in my cc limit yesterday thinking that will increase my available credit percentage, I'll know in a week or so. I'm thinking I should apply for another cc with another $10k limit and use it sparingly just to boost the score.
Any ideas?