Ok this is basically my husbands credit (i personally have horrible due to family issues when i was 18 and a ex husband that loved to gamble) my husband has a credit score for experian of 747 and i think the two others are roughly the same.
Well about 13 years ago he cosigned for a house for his uncle (uncle passed a year ago) my husband is the only one on the loan but not on the title his mom is, well his credit report is saying that the house on his credit is neg affecting his credit because the amount paid down is to low.
also my husband likes to pay off cards and close them because he doesn't want to deal with the card anymore he had at least 8 cards that he has closed in the past 5 years he has one card a usaa which he has had the longest but the limit on it is 24000 and the balance is 23900. he has a cabelas visa which is 2800 limit is 4g and he bought a yamaha quad and used their financing the balance we carry is 5500.
my husband has had a steady job (military) for the past 15 years and has never missed any payments my goal is to pay off the small bills and then attack the big cc which is his plan but i want to not pay so much in fees and possibly get a rewards or something type of card since it will also be a card that we use at least once a month for gas and such.
I am sorry for the all over the place information and questions everyone on here seems so knowledgeable its a little overwhelming
to sum it up
- some what high 700 Credit score
- three credit cards
- 1st has balance of 23000, limit 24000, usaa rate 8.9 (best rate they say they can do
- 2nd has balance 2800, limit 4000, cabelas visa 13.21% wont budge on lower
- 3rd has balance 5683, limit 13800, yamaha 7.9 promo rate till 12/13
thank you so much again