personal loan to 150 000

This sucks for those who have pending suits or recent judgments against OSI in its many incarnations.
I would max the card out just once and then use it every 1 to 3 months or so unless you need to do a lot of shopping at Target.
And since the date opened is 13 years ago, I assume this actually improves my score for all?
If you're here and you understand what you read and why to do it, DO IT YOURSELF!