I have 4 TL reporting to only Transunion all 4 of them are installment accounts and it they are paid as agreed no lates for the past year, then I have a BOA secured credit card CL of 300 just established for one month paid as agreed the balance is 88.00, I have a Macy's CC with a CL of 100 dollars, with a balance of 19.00 and I have a Crown Jewlers CC with a CL of 1500 with a balance of 48 dollars now, my question is should I just leave it at this? now besides the 4 that are reporting to TU the rest are reporting to all three now as fas as my credit scores are I am not sure if the are Fico or what but they are what I got from the Loan officer since I am looking to purchase a house in the next 4-6 months EX-589 TU-600 and EX 546 now keep in mind that this was the scores as of 3/3/07 and at that point the Macy's, BOA, and Crown Jewelers was not reporting as of yet, and also since then I have had a CA deleted off of my CRA, and one charge off. so what should I do, my Loan Officer said that I may have to do a Rapid Rescore if some of the stuff that is on my CR is paid off but may not be updated as yet, my main thing is I want to get my middle score in the 660's by the time I am purchasing my house...
I have seen posts regarding Crown Jewelers a few times on this thread.. what is their criteria for approval. I have had my oldest TL deleted because they had late pays and I disputed however it hurt my scores to have accounts from 1992 deleted.. so my history is not long established. I only have an auto loan 10/06 and a hsbc 300 limit card from 9/05.
just google crown jewlers, everyone is approved with CL of 1500 they don't even pull your credit, but you have to make a small purchase for about $35 dollars minimum and then it will start reporting to the CB's
your welcome, I am always willing to help others because I have been helped along the way, even though I still have a very long road ahead of me.
I did the online app yesterday, and it looks to me like you can't get an actual CL of $1500 without spending $1500. It says your limit, as reported to the CRB's will be the greater of what you actually spend every year, or $500. So how do you get a $1500 limit added to your utilization?
I was going to post this quesiton and you beat me to it. I applied for CJ on Sat and rec'vd the email this afternoon with approval.. so I'm in the "now what" stage.. am I supposed to start ordering.. put down the "small down payment" and then they start reporting to CB's the bal OR a limit of 500 initially which ever is higher... that was how I read it.
that is what it says but from what I understand they actually do report the 1500 CL, it hasn't reported for me as off yet, I did order some earings for my 5 year old and I have already received them so I will let you guys know as soon as it starts reporting, the earrings where only 59
I just opened my crown jewelers account this past weekend and made a small purchase. I don't know how fast they report to the CRA, but their SHIPPING is fast.
i hope it is the 1500 CL.. I need higher limits with low utlization.. I have been searching everywhere on post about CJ and it does seem that people are saying some changes have taken place as of sept or Oct 06 and they do show the 1500.. I HOPE so.. not really trying to make 450 worth of purchases of their jewelry...
