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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

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%.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

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

Congrats

Regular Contributor
ramblin_wreck08
Posts: 181
Registered: ‎08-09-2012
0

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.




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Regular Contributor
Dishpro
Posts: 118
Registered: ‎06-10-2012
0

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


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Regular Contributor
ramblin_wreck08
Posts: 181
Registered: ‎08-09-2012
0

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. :smileytongue:




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)

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