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Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: 740!

Congrats Ryan!!!! That is awesome!!!

Lookin' to do the same for my own FICO!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: 740!

Thanks guys, it means a lot! 

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012

Re: 740!

Congrats!  :smileyhappy:

 

There's just something about that 740 milestone (see siggy) :smileywink:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: 740!

Congrats to yourself also! My goal is also to get my score up to 760 for a mortgage some time this year and to hopefully get another card with a 10k or higher limit.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012

Re: 740!


ryanbush wrote:

Congrats to yourself also! My goal is also to get my score up to 760 for a mortgage some time this year and to hopefully get another card with a 10k or higher limit.


I was planning on a mortgage for later this year, but then decided against it for now.  I will have all my student loans report at the end of this year, and I'm not real sure I want to take on a mortgage yet until I see how that will all work out. 

 

It seems like we're on the same credit trajectory, as I just got my first and second $10,000+ credit cards last Fall.  Would love to have more, but my credit profile is so much better than it was one year ago that I'm very pleased with where I am right now. 

 

Good luck to you.  


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Established Member
JRS123
Posts: 26
Registered: ‎03-07-2013

Re: 740!

SUPERLIKE !!!
MyFico - TU- Hawk Alert :smileysad: MyFico EFX 726.
Amex Blue cash 15K; Bofa Cash rewards 20K; Bofa Travelrewards 10K; 2/13 myFico 709
Target Score 760-800
Gardening since Jan'13 hopefully till Jan '14
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: 740!


TNTransplant wrote:

ryanbush wrote:

Congrats to yourself also! My goal is also to get my score up to 760 for a mortgage some time this year and to hopefully get another card with a 10k or higher limit.


I was planning on a mortgage for later this year, but then decided against it for now.  I will have all my student loans report at the end of this year, and I'm not real sure I want to take on a mortgage yet until I see how that will all work out. 

 

It seems like we're on the same credit trajectory, as I just got my first and second $10,000+ credit cards last Fall.  Would love to have more, but my credit profile is so much better than it was one year ago that I'm very pleased with where I am right now. 

 

Good luck to you.  


nice, I've got a couple cards starting to close in on the 10k mark.  When I started 7 months ago my highest limit was 900, now my lowest limit is 1k and I have cards at 4k, 5k and 6k.   

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Valued Contributor
jamesdwi
Posts: 1,434
Registered: ‎09-16-2011

Re: 740!

Congrats!!!!

 

 

Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: 740!

Grats. What stuck out to me is that a 740 score is only better than 58% of population. I just can't see 40% of US population having a better score.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: 740!


Duncanrr wrote:
Grats. What stuck out to me is that a 740 score is only better than 58% of population. I just can't see 40% of US population having a better score.

that's exactly what I was thinking also, seems like an awfully lot of people with a 740 and above.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC

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