Good morning all!
Getting ready to go on an app spree post mortgage closing and looking for some advice on AMEX…
Here are my stats on Experian (my highest) report:
-672 FICO 8.
-2% utilization on $ 1150 available revolving (5 cards, 2 of which I will close in favor of anything I get in the “spree).
-No lates in last 14 months on anything.
-BK from 6/2010.
-2 closed-PIF collections (1 medical / 1 other).
-2 private student loans charged-off-paid in full.
74,000 annual salary and currently, no housing payments (new mortgage payment will be between 850 and 900).
Does anybody have any insight for me? Don’t want to “waste” a hardpull.