Current Events > Does total available credit affect credit score?

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cuttin_in_farm 07/12/17 10:41:48 AM #1:	My capital one credit tracker has a category for this, but credit karma doesn't. Would it be worthwhile to trade hits from inquiries for higher credit? Which indirectly means easy low utilization management? I'm only 21, so no one approved a high credit limit yet. --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:882775421] in Does total... [t:75557156]...</cite> <quote>My capital one credit tracker has a category for this, but credit karma doesn't. Would it be worthwhile to trade hits from inquiries for higher credit? Which indirectly means easy low utilization management? I'm only 21, so no one approved a high credit limit yet.</quote> ... Copied to Clipboard!
chill02 07/12/17 10:42:53 AM #2:	yes --- Ave, true to Caesar. <cite>chill02 posted [p:882775475] in Does total... [t:75557156]...</cite> <quote>yes</quote> ... Copied to Clipboard!
Ranting Nord 07/12/17 10:47:21 AM #3:	I think it's percentage of credit used that matters. --- I'll think of a sig later. <cite>Ranting Nord posted [p:882775679] in Does total... [t:75557156]...</cite> <quote>I think it's percentage of credit used that matters.</quote> ... Copied to Clipboard!
sylverlolol 07/12/17 10:48:04 AM #4:	chill02 posted... yes --- This is my signature. There are many like it, but this one is mine. <cite>sylverlolol posted [p:882775711] in Does total... [t:75557156]...</cite> <quote><cite>chill02 posted...</cite> <quote>yes</quote></quote> ... Copied to Clipboard!
Dustin1280 07/12/17 10:49:20 AM #5:	You want to use at most 35% of your credit at a time. That is why having a larger total available credit makes it easier to stay at 35% use or below. --- Smash DS Code: 4554-0120-5368 SB4 Name: Roz RIP: Orlando of the Axe Karma: 1642 --he delivered! <cite>Dustin1280 posted [p:882775765] in Does total... [t:75557156]...</cite> <quote>You want to use at most 35% of your credit at a time. That is why having a larger total available credit makes it easier to stay at 35% use or below.</quote> ... Copied to Clipboard!
cuttin_in_farm 07/12/17 10:51:31 AM #6:	Ranting Nord posted... I think it's percentage of credit used that matters. Dustin1280 posted... You want to use at most 35% of your credit at a time. That is why having a larger total available credit makes it easier to stay at 35% use or below. That's my question. I know about utilization. Stay under 30%, preferably 1-9%. But does total credit available also matter? --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:882775871] in Does total... [t:75557156]...</cite> <quote><cite>Ranting Nord posted...</cite> <quote>I think it's percentage of credit used that matters.</quote> <cite>Dustin1280 posted...</cite> <quote>You want to use at most 35% of your credit at a time. That is why having a larger total available credit makes it easier to stay at 35% use or below.</quote> That's my question. I know about utilization. Stay under 30%, preferably 1-9%. But does total credit available also matter?</quote> ... Copied to Clipboard!
chill02 07/12/17 10:54:23 AM #7:	indirectly --- Ave, true to Caesar. <cite>chill02 posted [p:882775996] in Does total... [t:75557156]...</cite> <quote>indirectly</quote> ... Copied to Clipboard!
cuttin_in_farm 07/12/17 10:58:13 AM #8:	Last question. So it doesn't really matter to someone to try to get more credit availability if they consistently keep low utilization? --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:882776192] in Does total... [t:75557156]...</cite> <quote>Last question. So it doesn't really matter to someone to try to get more credit availability if they consistently keep low utilization?</quote> ... Copied to Clipboard!
Dustin1280 07/12/17 11:00:29 AM #9:	I believe that is the case yes --- Smash DS Code: 4554-0120-5368 SB4 Name: Roz RIP: Orlando of the Axe Karma: 1642 --he delivered! <cite>Dustin1280 posted [p:882776313] in Does total... [t:75557156]...</cite> <quote>I believe that is the case yes</quote> ... Copied to Clipboard!
cuttin_in_farm 07/12/17 11:06:45 AM #10:	http://imgur.com/a/vbJ4O So this is just misleading? --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:882776621] in Does total... [t:75557156]...</cite> <quote>http://imgur.com/a/vbJ4O So this is just misleading?</quote> ... Copied to Clipboard!
Fony 07/12/17 11:07:01 AM #11:	cuttin_in_farm posted... Ranting Nord posted... I think it's percentage of credit used that matters. Dustin1280 posted... You want to use at most 35% of your credit at a time. That is why having a larger total available credit makes it easier to stay at 35% use or below. That's my question. I know about utilization. Stay under 30%, preferably 1-9%. But does total credit available also matter? Like, if you have two $500 cards for a total of $1000 credit? That doesn't matter at all. People say it does, but no it does not. Keep utilization to 30% or less, best case scenario is a 0 balance or at least under 10% month to month. If you can get a cell phone in your name or some kind of insurance(try homeowner's insurance it's dirt cheap) and keep up a payment history for at least 6 months to a year of perfect payments that in addition to low utilization will open all the doors for you as far as loans and other credit cards. Inquiries do not matter much at all for anything, you'd need to really pile them on to move your score a little. Opening up new credit accounts do hit your score in the short term, but a few payments later it bounces right back. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882776633] in Does total... [t:75557156]...</cite> <quote><cite>cuttin_in_farm posted...</cite> <quote><cite>Ranting Nord posted...</cite> <quote>I think it's percentage of credit used that matters.</quote> <cite>Dustin1280 posted...</cite> <quote>You want to use at most 35% of your credit at a time. That is why having a larger total available credit makes it easier to stay at 35% use or below.</quote> That's my question. I know about utilization. Stay under 30%, preferably 1-9%. But does total credit available also matter?</quote> Like, if you have two $500 cards for a total of $1000 credit? That doesn't matter at all. People say it does, but no it does not. Keep utilization to 30% or less, best case scenario is a 0 balance or at least under 10% month to month. If you can get a cell phone in your name or some kind of insurance(try homeowner's insurance it's dirt cheap) and keep up a payment history for at least 6 months to a year of perfect payments that in addition to low utilization will open all the doors for you as far as loans and other credit cards. Inquiries do not matter much at all for anything, you'd need to really pile them on to move your score a little. Opening up new credit accounts do hit your score in the short term, but a few payments later it bounces right back.</quote> ... Copied to Clipboard!
Fony 07/12/17 11:08:14 AM #12:	cuttin_in_farm posted... http://imgur.com/a/vbJ4O So this is just misleading? Creditwise is junk. Get a true FICO via experian.com or switch banks to bank of america they'll show you your official FICO score for free. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882776689] in Does total... [t:75557156]...</cite> <quote><cite>cuttin_in_farm posted...</cite> <quote>http://imgur.com/a/vbJ4O So this is just misleading?</quote> Creditwise is junk. Get a true FICO via experian.com or switch banks to bank of america they'll show you your official FICO score for free.</quote> ... Copied to Clipboard!
cuttin_in_farm 07/12/17 11:09:34 AM #13:	I see. Thanks yall. Extremely helpful. --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:882776751] in Does total... [t:75557156]...</cite> <quote>I see. Thanks yall. Extremely helpful.</quote> ... Copied to Clipboard!
Darkman124 07/12/17 11:09:36 AM #14:	Dustin1280 posted... You want to use at most 35% of your credit at a time. That is why having a larger total available credit makes it easier to stay at 35% use or below. this is not completely correct when you are having your score hard pulled you want to have less in use than this amount if you are at 99.9% month-to-month, but always pay in full, and then drop down below the threshold for a month before actually applying for credit, your score would be the same as if you were always below it. i give zero fucks about utilization when i am not actively seeking a loan of some kind --- And when the hourglass has run out, eternity asks you about only one thing: whether you have lived in despair or not. <cite>Darkman124 posted [p:882776755] in Does total... [t:75557156]...</cite> <quote><cite>Dustin1280 posted...</cite> <quote>You want to use at most 35% of your credit at a time. That is why having a larger total available credit makes it easier to stay at 35% use or below.</quote> this is not completely correct when you are having your score hard pulled you want to have less in use than this amount if you are at 99.9% month-to-month, but always pay in full, and then drop down below the threshold for a month before actually applying for credit, your score would be the same as if you were always below it. i give zero fucks about utilization when i am not actively seeking a loan of some kind</quote> ... Copied to Clipboard!
Fony 07/12/17 11:11:34 AM #15:	As long as your monthly report shows under 30% you're good. It doesn't matter if you max the cards every month and pay it of at the end. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882776857] in Does total... [t:75557156]...</cite> <quote>As long as your monthly report shows under 30% you're good. It doesn't matter if you max the cards every month and pay it of at the end.</quote> ... Copied to Clipboard!
Conception616 07/12/17 11:13:07 AM #16:	FYI, soft credit inquiries don't affect your score, only hard pulls. Hard pulls come from larger loans, such as auto or home. A CC inquiry won't hurt you. --- "So they managed to change from the left hand side to the right? Wow, magical mirrors, they can change tattoo positions." - sniperfox29 <cite>Conception616 posted [p:882776940] in Does total... [t:75557156]...</cite> <quote>FYI, soft credit inquiries don't affect your score, only hard pulls. Hard pulls come from larger loans, such as auto or home. A CC inquiry won't hurt you.</quote> ... Copied to Clipboard!
Darkman124 07/12/17 11:13:58 AM #17:	Fony posted... As long as your monthly report shows under 30% you're good. It doesn't matter if you max the cards every month and pay it of at the end. in fact you can even get away with it not showing under 30% on your monthly if you immediately make a payment and show the loan officer. they can then get an exception filed and bump your score up. --- And when the hourglass has run out, eternity asks you about only one thing: whether you have lived in despair or not. <cite>Darkman124 posted [p:882776985] in Does total... [t:75557156]...</cite> <quote><cite>Fony posted...</cite> <quote>As long as your monthly report shows under 30% you're good. It doesn't matter if you max the cards every month and pay it of at the end. </quote> in fact you can even get away with it not showing under 30% on your monthly if you immediately make a payment and show the loan officer. they can then get an exception filed and bump your score up.</quote> ... Copied to Clipboard!
Fony 07/12/17 11:15:22 AM #18:	Yup. Also the biggest factors to clean good credit is never missing payments, keeping away from collections and if you have any old black marks older than 3 years getting them removed from your credit report. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882777049] in Does total... [t:75557156]...</cite> <quote>Yup. Also the biggest factors to clean good credit is never missing payments, keeping away from collections and if you have any old black marks older than 3 years getting them removed from your credit report.</quote> ... Copied to Clipboard!
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Darkman124 07/12/17 11:20:40 AM #20:	Fony posted... Yup. Also the biggest factors to clean good credit is never missing payments, keeping away from collections and if you have any old black marks older than 3 years getting them removed from your credit report. yep a little known fact is that your first accidental late payment can generally be erased from your record if you ask and immediately pay many card companies will even forgive the fee --- And when the hourglass has run out, eternity asks you about only one thing: whether you have lived in despair or not. <cite>Darkman124 posted [p:882777328] in Does total... [t:75557156]...</cite> <quote><cite>Fony posted...</cite> <quote>Yup. Also the biggest factors to clean good credit is never missing payments, keeping away from collections and if you have any old black marks older than 3 years getting them removed from your credit report.</quote> yep a little known fact is that your first accidental late payment can generally be erased from your record if you ask and immediately pay many card companies will even forgive the fee</quote> ... Copied to Clipboard!
Conception616 07/12/17 11:24:31 AM #21:	GregShmedley posted... Conception616 posted... FYI, soft credit inquiries don't affect your score, only hard pulls. Hard pulls come from larger loans, such as auto or home. A CC inquiry won't hurt you. Nah, a CC inquiry is considered a hard pull. One won't do much; may even bump it up a few points depending on when your last one was. But they are hard pulls and can hurt if you have multiple at once. I literally just pulled my credit on Monday, and it says exactly the opposite of what you just said. I can provide a screenshot if necessary. I had to get a Best But CC last week, and it shows up as a soft pull, the only hard pull in three years is my auto lease. My FICO score is 847, so I stay on top of my credit. --- "So they managed to change from the left hand side to the right? Wow, magical mirrors, they can change tattoo positions." - sniperfox29 <cite>Conception616 posted [p:882777533] in Does total... [t:75557156]...</cite> <quote><cite>GregShmedley posted...</cite> <quote><cite>Conception616 posted...</cite> <quote>FYI, soft credit inquiries don't affect your score, only hard pulls. Hard pulls come from larger loans, such as auto or home. A CC inquiry won't hurt you.</quote> Nah, a CC inquiry is considered a hard pull. One won't do much; may even bump it up a few points depending on when your last one was. But they are hard pulls and can hurt if you have multiple at once.</quote> I literally just pulled my credit on Monday, and it says exactly the opposite of what you just said. I can provide a screenshot if necessary. I had to get a Best But CC last week, and it shows up as a soft pull, the only hard pull in three years is my auto lease. My FICO score is 847, so I stay on top of my credit.</quote> ... Copied to Clipboard!
Fony 07/12/17 11:26:38 AM #22:	GregShmedley posted... Conception616 posted... FYI, soft credit inquiries don't affect your score, only hard pulls. Hard pulls come from larger loans, such as auto or home. A CC inquiry won't hurt you. Nah, a CC inquiry is considered a hard pull. One won't do much; may even bump it up a few points depending on when your last one was. But they are hard pulls and can hurt if you have multiple at once. I've had 15 in two weeks going around motorcycle shopping, moved my score down one point. Maybe once upon a time hard pulls did something, but not anymore. at most you might lose five points if you already have a shitty history or do 100 pulls. Anything in the normal range does not affect your score or ability to get approval. Experian even spells out how impactful it is with numbers and colors and everything. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882777636] in Does total... [t:75557156]...</cite> <quote><cite>GregShmedley posted...</cite> <quote><cite>Conception616 posted...</cite> <quote>FYI, soft credit inquiries don't affect your score, only hard pulls. Hard pulls come from larger loans, such as auto or home. A CC inquiry won't hurt you.</quote> Nah, a CC inquiry is considered a hard pull. One won't do much; may even bump it up a few points depending on when your last one was. But they are hard pulls and can hurt if you have multiple at once.</quote> I've had 15 in two weeks going around motorcycle shopping, moved my score down one point. Maybe once upon a time hard pulls did something, but not anymore. at most you might lose five points if you already have a shitty history or do 100 pulls. Anything in the normal range does not affect your score or ability to get approval. Experian even spells out how impactful it is with numbers and colors and everything.</quote> ... Copied to Clipboard!
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Fony 07/12/17 11:40:01 AM #24:	Credit pulls have no consequence on their own, period. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882778342] in Does total... [t:75557156]...</cite> <quote>Credit pulls have no consequence on their own, period.</quote> ... Copied to Clipboard!
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kingdrake2 07/12/17 11:51:34 AM #26:	i got denied a credit card for lack of history lmao :(. guess i won't be getting an amazon credit card at all (really wanted one of those). --- Chapped ass sucks. Deliver me sweet release, Kaopectate-.Alucard188 <cite>kingdrake2 posted [p:882778866] in Does total... [t:75557156]...</cite> <quote>i got denied a credit card for lack of history lmao :(. guess i won't be getting an amazon credit card at all (really wanted one of those).</quote> ... Copied to Clipboard!
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Fony 07/12/17 12:39:17 PM #28:	For starting out Step 1: secure credit card from your own bank Step 2: keep low utilization for 6 months Step 3: receive official FICO credit score Step 4: apply for Amazon Prime Store Card(much easier to get than Amazon Credit Card) and Discover It/Capital One Quicksilver/Citi Double Cash and try to get a bill in your name(cell phone or insurance) Step 5: keep paying everything on time and make sure utilization is low every billing period Step 6: enjoy good credit and history good enough for foot in the door after one year --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882781389] in Does total... [t:75557156]...</cite> <quote>For starting out Step 1: secure credit card from your own bank Step 2: keep low utilization for 6 months Step 3: receive official FICO credit score Step 4: apply for Amazon Prime Store Card(much easier to get than Amazon Credit Card) and Discover It/Capital One Quicksilver/Citi Double Cash and try to get a bill in your name(cell phone or insurance) Step 5: keep paying everything on time and make sure utilization is low every billing period Step 6: enjoy good credit and history good enough for foot in the door after one year</quote> ... Copied to Clipboard!
Fony 07/12/17 12:40:29 PM #29:	GregShmedley posted... Fony posted... Credit pulls have no consequence on their own, period. This is blatantly false and from this statement and your original reply to me, you seem to not know too much about the subject or are just flat out trolling. Potential lenders most definitely look at the amount of hard pulls on your account and hard pulls can certainly bring your score down (or up sometimes) by a few points. example? --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882781455] in Does total... [t:75557156]...</cite> <quote><cite>GregShmedley posted...</cite> <quote><cite>Fony posted...</cite> <quote>Credit pulls have no consequence on their own, period.</quote> This is blatantly false and from this statement and your original reply to me, you seem to not know too much about the subject or are just flat out trolling. Potential lenders most definitely look at the amount of hard pulls on your account and hard pulls can certainly bring your score down (or up sometimes) by a few points.</quote> example?</quote> ... Copied to Clipboard!
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Fony 07/12/17 1:06:34 PM #31:	You literally addressed nothing...that little copypasta even backed me up. Stop. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882782882] in Does total... [t:75557156]...</cite> <quote>You literally addressed nothing...that little copypasta even backed me up. Stop.</quote> ... Copied to Clipboard!
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Fony 07/12/17 1:10:50 PM #33:	So sad...the screed you just copies even states that inquiries are worthless on their own. Bad history and bad habits are the bigger factors associated with people who have to go around looking for credit...and the link inquiries to risk of bankruptcy(lol)...man you're too much. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882783153] in Does total... [t:75557156]...</cite> <quote>So sad...the screed you just copies even states that inquiries are worthless on their own. Bad history and bad habits are the bigger factors associated with people who have to go around looking for credit...and the link inquiries to risk of bankruptcy(lol)...man you're too much.</quote> ... Copied to Clipboard!
SK8T3R215 07/12/17 1:19:12 PM #34:	GregShmedley posted... For many people, one additional credit inquiry (voluntary and initiated by an application for credit) may not affect their FICO score at all. For others, one additional credit inquiry would take less than 5 points off their FICO score. This literally backs up his point lmao --- New York Knicks, New York Jets, New York Yankees. <cite>SK8T3R215 posted [p:882783625] in Does total... [t:75557156]...</cite> <quote><cite>GregShmedley posted...</cite> <quote>For many people, one additional credit inquiry (voluntary and initiated by an application for credit) may not affect their FICO score at all. For others, one additional credit inquiry would take less than 5 points off their FICO score.</quote> This literally backs up his point lmao</quote> ... Copied to Clipboard!
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Fony 07/12/17 1:22:06 PM #36:	Lmao..... --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882783785] in Does total... [t:75557156]...</cite> <quote>Lmao.....</quote> ... Copied to Clipboard!
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cuttin_in_farm 07/13/17 9:02:36 AM #39:	Fony posted... Step 4: apply for Amazon Prime Store Card(much easier to get than Amazon Credit Card) and Discover It/Capital One Quicksilver/Citi Double Cash and try to get a bill in your name(cell phone or insurance) I have the Quicksilver card atm, as it was a great entry level credit building card. I should be bouncing back into the 700s this cycle after a financial disaster last year. Should I try the Citi card? They're sending me offers and 2% cash back seems pretty good compared to the 1% I have now. --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:882832580] in Does total... [t:75557156]...</cite> <quote><cite>Fony posted...</cite> <quote>Step 4: apply for Amazon Prime Store Card(much easier to get than Amazon Credit Card) and Discover It/Capital One Quicksilver/Citi Double Cash and try to get a bill in your name(cell phone or insurance)</quote> I have the Quicksilver card atm, as it was a great entry level credit building card. I should be bouncing back into the 700s this cycle after a financial disaster last year. Should I try the Citi card? They're sending me offers and 2% cash back seems pretty good compared to the 1% I have now.</quote> ... Copied to Clipboard!
treewojima 07/13/17 9:33:05 AM #40:	I had zero credit history before March of this year until I got a non-secured starter card through my credit union with a sub-$1k limit. I also have some small medical debt sitting in collections from a few years ago that I'm working towards paying off, which hurts. My credit score rocketed up almost 100 points from low 500s to low 600s this past month, just by switching tactics from "put everything on card and pay off at end of month" to "strategically keep my utilization low". Making every payment on time helps a lot too. I by no means have "good" credit, but I'm working on it; the main ingredients now are time and perseverance. My next step is to get another card, preferably with rewards. <cite>treewojima posted [p:882833681] in Does total... [t:75557156]...</cite> <quote>I had zero credit history before March of this year until I got a non-secured starter card through my credit union with a sub-$1k limit. I also have some small medical debt sitting in collections from a few years ago that I'm working towards paying off, which hurts. My credit score rocketed up almost 100 points from low 500s to low 600s this past month, just by switching tactics from "put everything on card and pay off at end of month" to "strategically keep my utilization low". Making every payment on time helps a lot too. I by no means have "good" credit, but I'm working on it; the main ingredients now are time and perseverance. My next step is to get another card, preferably with rewards.</quote> ... Copied to Clipboard!
Makeveli_lives 07/13/17 9:35:52 AM #41:	My credit score stagnated in the 710-720 range. Which I know is good but it hasn't gone higher ever and it bounces around there for the last 18 months or so. --- 3DS FC: 0087-2410-1340 <cite>Makeveli_lives posted [p:882833789] in Does total... [t:75557156]...</cite> <quote>My credit score stagnated in the 710-720 range. Which I know is good but it hasn't gone higher ever and it bounces around there for the last 18 months or so.</quote> ... Copied to Clipboard!
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cuttin_in_farm 07/13/17 10:23:00 AM #43:	Ah. I recently was reading how Discover, Amex, and Citi all show a specific credit bureau's scores. I currently have three cards, but none of them are one of those guys. If I could maybe squeeze in one more and then wait, just so I could at least check one bureau's score for free, I figure that might be smart. Don't really know how to credit card search. They all kinda say the same stuff. --- A show of kindness may not do much help, but a show of cruelty may do much harm. <cite>cuttin_in_farm posted [p:882835580] in Does total... [t:75557156]...</cite> <quote>Ah. I recently was reading how Discover, Amex, and Citi all show a specific credit bureau's scores. I currently have three cards, but none of them are one of those guys. If I could maybe squeeze in one more and then wait, just so I could at least check one bureau's score for free, I figure that might be smart. Don't really know how to credit card search. They all kinda say the same stuff.</quote> ... Copied to Clipboard!
Fony 07/13/17 10:40:22 AM #44:	ignore that butthurt person...so sad really. ridiculous. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882836371] in Does total... [t:75557156]...</cite> <quote>ignore that butthurt person...so sad really. ridiculous.</quote> ... Copied to Clipboard!
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Fony 07/13/17 11:06:05 AM #46:	You haven't said one useful thing. --- It's not the end of the world, but we can see it from here. <cite>Fony posted [p:882837640] in Does total... [t:75557156]...</cite> <quote>You haven't said one useful thing.</quote> ... Copied to Clipboard!
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Current Events > Does total available credit affect credit score? (+) Yeah! (+)

Current Events > Does total available credit affect credit score?