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mobyrobe

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Credit score not improving
My credit score has been stuck at 701 for many, many months. What can I do to raise my score? I have "A's" in all areas except "credit inquiries" which is a "B" for 1 inquiry.

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Timeline of 3.5 years.

Mobyrobe, 

I joined CK in Feb 2012,  a month after you,  here is a timeline of what I have done.  

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The following is a good timeline of what I have done over the past 3.5 years.

Nothing in Collections, no Bad information on Credit report, 

just did not use any source of Credit for a Long time

Currently all our Credit Cards are paid off!

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. . .1993 - Opened - GECRB JCP CC ( Joint ) - CL-500 

. . .2011 - Stopped using all All Credit Cards 

Jan 2011 - went to apply for Home Loan - No Credit 

. . . . . . Long dragged out Loan process, JCP CC was still active with a 200 CL able to still use 

Jan 2011 - opened - CAP ONE Secured CC - CL-451

May 2011 - Purchased Home Paid Cash as loan process

. . . . . . taking too long Still was not able to open Chase Freedom CC

Nov 2011 - opened - GECRB/MEIJER CC ( Joint ) - CL-1000 

Dec 2011 - opened - GECRB Discount Tire CC - CL-700

. . . . . . . . . . .Applied online for the Discount Tire, Approved 

Dec 2011 - opened - GECRB CareCredit CC - CL-6000

. . . . . . . . . . .Applied online for CareCredit, Approved

----- ----- ----- 

Feb 2012 - CKCS-645

Mar 2012 - opened - CHASE Equity Line of Credit - CL-50000

. . . . . . . . . . .After living in the house for almost a 

. . . . . . . . . . .year applied for a Home equity loan, Approved.

Apr 2012 - opened - Paypal MasterCard CC - CL-2500

Apr 2012 - opened - CHASE Freedom CC - CL-8400

. . . . . . . . . . .Received Offer in the Mail to Apply for 

. . . . . . . . . . .Chase Freedom CC Applied - approved.

May 2012 - CKCS-650

June 2012 - CKCS-652

Jul 2012 – CLI Auto - GECRB JCP CC ( Joint ) - CL-900

Jul 2012 - opened - Wells Fargo Store CC - CL-2200

. . . . . . . . . . .purchase a Bedroom set for guest room, Approved.

Aug 2012 - CKCS-645

Sept 2012 - CKCS-641 

Oct 2012 - CKCS-651

Nov 2012 – CLI Auto – CHASE Freedom CC - CL-8400

Nov 2012 - CKCS-667 

Dec 2012 - opened - CITI Thankyoy CC - CL-8500

. . . . . . . . . . .Received Offer in the Mail for Thankyou CC's

. . . . . . . . . . .18 months 0 APR, Approved.

Dec 2012 – CLI Request - GECRB JCP CC ( Joint ) - CL-1650

Dec 2012 – CLI Request - Paypal MasterCard - CL-5000

Feb 2012 – CLI Request - GECRB CareCredit CC - CL-7000

Dec 2012 - CKCS-681

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Jan 2013 – CLI Request - Wells Fargo Store CC - CL-6900

Feb 2013 - CKCS-698

Apr 2013 - opened - FireStone CC - CL-2400

. . . . . . . . . . .In for a Oil Change and car tune up.

May 2013 - CK-CS-686

Jun 2013 - opened - TARGET CC - CL-2000

. . . . . . . . . . .Checkout asked if I wanted a Target CC, Approved

June 2013 - CKCS-700

July 2013 - CKCS-721

Aug 2013 - CKCS-767

Sept 2013 - CKCS-764

Sep 2013 - opened - CHASE AUTO Loan - CL-15000

. . . . . . . . . . .Was Pre-Approved for Car Loan from Chase 

. . . . . . . . . . .before I went shopping for a new car. 

. . . . . . . . . . .Had a Good Trade in and Nice down payment.

Oct 2013 - CKCS-764

Nov 2013 – CLI Auto - TARGET CC - CL-2300

Nov 2013 – CLI Auto - GECRB/MEIJER CC ( Joint ) - CL-1900 

Nov 2013 - opened - GECRB GE Store CC - CL-4000 

. . . . . . . . . . .New Stove and Dishwasher that were needed 

. . . . . . . . . . .6 months same as Cash Paid off in 3 months

Dec 2013 - CKCS-754

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Jan 2014 - CKCS-762

Jan 2014 - CKCS-764

Feb 2014 – CLI Decrease - GECRB CareCredit CC - CL-6000

Feb 2014 - CKCS-762

Mar 2014 - CLI request - GECRB Discount Tire CC - CL-1500

Mar 2014 - CKCS-764

Apr 2014 - CKCS-767

May 2014 - CKCS-770

June 2014 - CKCS-770

July 2014 - CKCS-772

Credit History takes time, so does your Credit Score.

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