I have two orchard CC's 600$ limit (opened 10/03) and 300$ limit (opened 06/05). Would it improve my score if I consolidated the two into ONE 900$ limit card? I also have two Capital One cards-- 1200$ limit (opened 09/2001) and 850$ (03/2002), on which I have NOT seen a CLI for two years or more now. I have PF'd them two weeks ago and heard nothing. Called retention yesterday and they lowered my APR on the 850$ MC to 12.9. Oh, and I got a Macys Card with a 600$ limit two weeks ago =D Also have a BoA withg 500$ limit, opened 11/03. Partially secured -- 99$ deposit. I have no graduation since I've gone over limit several times Never a late payment. On penaly pricing now, eligible to request graduation in January, lets see how that goes. My scores EQ - 592 (FICO) EX-607(FAKO) TU (609) FAKO. I recently applied for a HSBC (fully) secured card -- 300$ limit (approved). I'm tired of dealing with subprime lenders. So, do I consolidate the Orchard cards? or keep building a history among all the open tradelines? I dont *need* the credit, but want a good score for whenver I do need it. Any input appreciated. Thanks!
