Credit reports

[00tec]

I use the "Credit Wise" that I have with my Cap1 card. Has a little simulator that can show what potential impact certain actions have, such as closing a card, paying down, or increasing debt.

The credit limit increase stuff is spot on. When I totalled my car and paid it off, before financing the new(ish) car, I requested limits on my cards. My score jumped significantly.

Reminded me, just requested increase on my Home Depot card that has a zero balance, for giggles.