Credit scores are all around 690. This is because my Wells card is currently at 50% util, however once my payment is recognized my score should pop back up to 730+ which is where it hovered all of last year.
My hard inquires are as follows: (last 2 years?)
- TU - 5
- EQ - 5
- EXP - 6
I only have 4 since January, one of which was Experian back in February. 3 of 4 were from phone and internet companies.
I currently have 4 credit cards, 2 of which are store cards that I never use. Total Cl is probably 8 or 9k. Average account length is really low, probably 13 months now.
No other missed payments or anything of the sort. I have a $5600 car loan. I also have about 6 months salary in savings if this makes a difference.
Additionally I have had an account at fidelity since April - I maxed out my 2012 IRA and have not an insubstantial amount of my money in investments there.
Lastly, although I don't know if it means anything, I have been a Costco member for 6 months now. I have heard this gets you into their true earnings card easily. If my credit history is too short for Fidelity I would get the Costco card just so I could join the family and get backdated to as early as possible.
Love the forum! Lurk here often hope I can get some guidance and return the favor later.