Credit Card Center Advertiser Disclosure†
04-05-2013 08:26 PM
Ok. I have had my capital one secured card for 1yr now officially, I have gotten the Capital one cash rewards card back in the beginning of March (approved in lat Feb tho). I got approved for the Discover IT card $1700. But my Eq score is not what I think it should be 639 with nothing bad reporting on it. Not saying that I have not had anything bad on it that has not fallen off. I never really owed much money to anyone just $200-$300 dollars here and there spread over about 2-3 companys dont know the name of them now cause I paid off and forgot about them. Most dont show up execpt for 1 for $226. but it is paid. I must admit that I never really checked my scores to begin with because I had applied for cards and never got them before my secured card. So i figured I will just start and not worry about numbers. Now I have gotten these three cards but how can I boost my credit score more. I have been working a year and dont see any major results what my credit should be. Dont get me wrong this site has been very help for and if it were not for this site I dont think I would be 1/4 of where I am at now. I have $3950 in credit on 3 cards $750 of it is secured last year this time I had no credit at all so thank you. I think that eq is wrong as it was the same number ck gave me 1 month ago and since then I have seen it go to 670. what should I do to boost my score more. I have some money for a secured loan should I do that and set up an account just to have it auto pay the loan.
04-05-2013 08:36 PM
04-05-2013 08:38 PM
04-05-2013 08:47 PM
I pif every month that is why i got the discover cause the guy seen that and said he like it. I will just wait and do what I been doing and see what else it brings me I cant lie the past year as gone by fast and has been good as far as cc and ccl.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.