09-24-2012 02:52 PM
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%.
09-24-2012 03:30 PM
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
|Amex Zync(Unicorn) |
09-24-2012 04:26 PM
Thanks everyone and congrats in return! It's amazing what utilizaiton will do to your score. Never would have found out without this forum.
09-24-2012 06:13 PM
Congrats...... How sweet is that?
So sweet! Will be even more sweet once my savings account comes back from the depts.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO