Feathy

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About Feathy

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    Florida
  1. @Clydesmom to be clear, I have removed myself from the few cards that are maxed out and kept myself on as an AU on ONLY the cards that have $0 on them AND the relative lives me. So I ask again, these then do work in my favor, right?
  2. You are 100% correct and know what your talking about! Well done my friend.
  3. FICO figured this tactic out years ago. Now unless the relative lives with you this does not work to improve a FICO score. @Clydesmom I just reread what you wrote. The relative DOES live with me. So the AU accounts would help me then?
  4. Ok, as soon as the AU accounts drop, I'm going to go for Cap1 and Discover! As long as it's not a hard pull. Thanks my friend!! Are you 100% these cards are not hard pulls?
  5. Thank you so much for responding. Today I removed myself as AU on the maxed out credit cards. I fired the CRO a month ago to take my credit into my own hands. I'm not going for a mortgage until Q4 of this year or this time next year so I have time. The balance on the card with perfect payment history is $0. Do you think GW's (Saturation Method) would work? Can I realistically get a Capital One or any of the other cards you recommended with my scores?
  6. Please help.....How can I possibly increase my FICO's? Hello all, I need help. I'm frustrated and losing hope. I had perfect credit my whole life but my family hit a catastrophic financial situation several years ago with me getting very sick and out of work, my wife losing her job, and our firstborn arrived increasing our lifestyle expenses. Experian = 615 Equifax = 658 TU = Unknown Inovus = Unknown I have the following on my reports: Credit One CC account with perfect payment hi