- Green Member
- Posts: 3
- Joined: Tue Jul 17, 2012 6:43 pm
- Location: Tampa, Fl
Hey guys, I'm kind of a Noob here, not necessarily to credit, however. So, I have got a couple of questions for you gurus. Before I get to them, I'll give you a little back ground. My oldest card is about 5.5 years old, got it right as I left college. My newest card is from my credit union. My cards: GTE FCU Visa Platinum Rewards 11,600 cl, Chase Freedom 3,000 cl, Bank of America Cash Rewards Card 5,000 cl, Good Year Store Card by Citi 1,250 cl, two Capital One cards 500, 750, another BofA student card 100 and a truck loan a little over 30k.
I'm making around 64k a year, debt to limit ratio is about 11% on credit cards. No mortgage or rent, own the home outright. CK score FAKO of 732, Free Credit Report FAKO 728. Not sure what my most recent FICO is simply because a couple of days ago I had some fraudulent Collections removed. I just bought the truck and got the Federal Credit Union card as of april.
I just applied for the Amex Delta Sky Miles card the other day, and that's how I found out about the fraud, and was declined, that has since been removed according to my current credit report. The other reason was for too new of a couple of accounts, first the truck and the GTE card, and also the Chase card which I got in April, truck and CU in May.
I was just wondering, given that I had the fraudulent collections removed, should i call and have it recon'd or should I just let it ride for a year or so, and hope for the best. I want to start a relationship with Amex. If I cant do it in this way, I'm thinking of having my BOA cash card converted to the Amex Accelerated rewards card. I shop at costco a lot and that's the only card type they take plus I love flying. Also, if I do have my card converted, does this start the relationship with Amex, or no since it would be co-branded?
Thanks for helping the Noob!
PS I have been lurking for a while, and have gained a lot of valuable info, so thanks to you all!