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

LS2982 · ‎04-09-2011

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%.

Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013

creditnocash · ‎07-23-2012

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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

Cadillac-XTS · ‎08-20-2012

Congrats

ramblin_wreck08 · ‎08-09-2012

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

What's in my wallet:

Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$5.5k (Visa Sig + EMV)
$4,950

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Equifax Risk Score: 706 (7/22/12)
Experian Plus: 724 (8/13/12)

Dishpro · ‎06-10-2012

Congrats...... How sweet is that?

Starting Score:
585
Current Score: FICO TU 733 FICO EQ 724 EX PLUS 744
Goal Score: 850

Take the FICO Fitness Challenge

ramblin_wreck08 · ‎08-09-2012

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

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

What's in my wallet:

Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$5.5k (Visa Sig + EMV)
$4,950

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Equifax Risk Score: 706 (7/22/12)
Experian Plus: 724 (8/13/12)

Credit Cards

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

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

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

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

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

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