A FICO Watchers Dream....My Target Score Has Been Reached!!!!!
I had the FICO watchers equivalent to ecstacy this morning when I woke up and opened my email. I got a score power alert that I had reached my target credit score!!! My target score which I set a year ago when I got score power was a 650 because I figured that would put me in position to lease a new vehicle when I'm ready and get a prime credit card. Well I actually exceeded that by 9 points!!! A year ago this month I had a 573 Equifax score and I have now reached 659!!! I'm very proud of myself. And the funny thing is, all I had to do is let my credit cards report a balance. The only thing that has changed on my CR is my Capitol One card is reporting a new $12 balance instead of $0 like I had been keeping it at. My score actually jumped 17 points for that. It went from a 642-659. I really wish I had known this secret before!!!! Just for letting my CC's report balances I have gained a total of 24 points!!! So I'm now letting 2 out of 3 cards that I have report balances and I think I'll keep it at that. Thank you so much forum members for educating me on this!!! You all rock and I am exstatic!!!! Oh and on a side note I also got my BOA secured card deposit back in the mail yesterday!!! This has been a great weekend!!! I'm on cloud 9 right now and I dont want to come down LOL!!!
Scores Transunion-680 Equifax-661 Experian-701 As of 11/8/08 Scores Transunion-719 Equifax-697 Experian-788