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Johnworker1
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Last Activity: Yesterday, 05:20 PM
Joined: 08-18-2016
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  • Johnworker1
    started a topic Available Credit

    Available Credit

    Diligently working on my credit profile and scores to gain my (long lost) credit worthiness. I am a member of Credit Wise and Credit Karma. I notice today on Credit Wise that they use available credit as a criteria in the Vantage 3.0 scoring. It shows my available credit of $4,885 which it rates as...
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  • Johnworker1
    replied to 4 Credit Cards???
    Excellent Illustration. I found out the hard way which is why I will never do that again.

    Is it important to rotate each card a month which has the <9% balance or it doesn't matter as long it is one credit card.
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  • I submitted a packet to my credit union and received a call a few days later from the Compliance Dept and haven't heard anything or seen any changes since. Since these late payments are from Dec 2017 to Mar 2018 I believe their negative weight on my scores decreases with time so I will wait for them...
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  • Johnworker1
    replied to 4 Credit Cards???
    Thanks again! Chase gave me pre approvals then they disappeared for a week (my scores seem to be wavering up and down) then when it reappeared it included preapproval for 2 cards (9K the other 10K) and vehicle loan up to 66K. I took the 9K card because it has no annual fee and am awaiting it to arrive...
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