Will that help bring my FICO back up to 700+? It's down to 680. I have 6 VISA and MC and two retail cards....am thinking about closing NextCard (if they again don't lower my APR as I have requested) and Sears, which I don't use. That would leave me with BOA VISA, CITI MC, ATT MC, Providian VISA (oldest account) Discover and Penney's. If Equifax will finally report my Discover CL correctly, that will make up for the loss in CL for the other two. However, if closing these two accounts won't help that much, I will keep the NextCard to see what happens with it. I have a 22% total debt to CL ratio on all cards. I am carrying 40% and 60% on CITI and ATT and BOA, because the rates are 0% and 9.9%. Will be paying them down before the rate increase in June. I really don't need any more cards, although I am having the devil of a time NOT applying for State Farm just to be part of the "in-crowd" here And, I'm not going to be applying for a mortgage or auto loan....I just wanna be a part of the "700 Club"!
