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31 Point Credit Score Increase!!!!!!! Utilization!

Mega Contributor

Re: 31 Point Credit Score Increase!!!!!!! Utilization!


ramblin_wreck08 wrote:

I'm so excited right now!  Over the last couple months I've tightened up my spending in order to pay off some credit card debt (albeit at 0% APR).  Dropping my utilization down from 36% to 1% bumped up my TransUnion FICO score from 709 to 740 despite apping for an AMEX charge!

 

Thanks to everyone on here for the great information!  With a little gardening I feel like I can hit my goal of 760 before I decide it's time to buy a house.  Thanks everyone!


Very nice!!!! CONGRATS!!!

 

I'm @ 24% right now, I wonder what kind of bump i'd get getting back down around 9%.

 




EQ FICO 548 3/3/16
Message 11 of 16
Valued Contributor

Re: 31 Point Credit Score Increase!!!!!!! Utilization!

ck says my score will only go up 6 points if i pay off my cards. 

right now its reporting 825/10200 limits. 

 

i cant wait to see those couple of days where it wll be 425/10200.

and then my iphone hits the reports! =/ 

oh well at least it wont see any interest. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 12 of 16
Established Contributor

Re: 31 Point Credit Score Increase!!!!!!! Utilization!

Congrats

Message 13 of 16
Regular Contributor

Re: 31 Point Credit Score Increase!!!!!!! Utilization!

Thanks everyone and congrats in return!  It's amazing what utilizaiton will do to your score. Never would have found out without this forum.

Amex BCP $20k | PenFed Platinum Rewards VS $16.5k | Amex HHonors $10k
Message 14 of 16
Regular Contributor

Re: 31 Point Credit Score Increase!!!!!!! Utilization!

Congrats...... How sweet is that?
 

Starting Score:
585
Current Score: FICO TU 725 FICO EQ 735 EX 754
Goal Score: 850


Take the FICO Fitness Challenge
Message 15 of 16
Highlighted
Regular Contributor

Re: 31 Point Credit Score Increase!!!!!!! Utilization!


Dishpro wrote:
Congrats...... How sweet is that?

So sweet! Will be even more sweet once my savings account comes back from the depts. Smiley Tongue

Amex BCP $20k | PenFed Platinum Rewards VS $16.5k | Amex HHonors $10k
Message 16 of 16