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FICO 633 to 728 in 11 months, SLOW **UPDATED**

Valued Contributor

FICO 633 to 728 in 11 months, SLOW **UPDATED**

This is from GE Walmart TU08.

 

Slow process, maybe I am missing something?

 

From 80% utils (across all cards) to 11% (reporting on one card) when it was updated. Now I am at 7%.

 

No baddies, just LOTS of INQ from getting 3 cars in less than 2 years. Also 4 new accounts, latest one being 10/12 Amex Green.

 

ficoChart.jpg

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 1 of 32
31 REPLIES
Regular Contributor

Re: FICO 633 to 728 in 11 months, SLOW

It looks good to me!

Message 2 of 32
Established Contributor

Re: FICO 633 to 728 in 11 months, SLOW

I don't think that is slow progress... almost 100 points in under a year.  The fact that you paid off that much debt deserves a pat on the back!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 3 of 32
Established Contributor

Re: FICO 633 to 728 in 11 months, SLOW

Yeah, good job!!!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 32
Valued Contributor

Re: FICO 633 to 728 in 11 months, SLOW


calihlove75 wrote:

I don't think that is slow progress... almost 100 points in under a year.  The fact that you paid off that much debt deserves a pat on the back!


Yes, I am extremely happy. Those debt are from college years, thank god that I was never late on any payment.

 

Now, I just PIF and rotating the love on all card....however, amex is getting the love monthly about 1k a month to establish relationship.

 

Maybe I should put everything on amex and less love on other card? lol. It would be 3k a month.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 5 of 32
Frequent Contributor

Re: FICO 633 to 728 in 11 months, SLOW

Nearly 100 points in under a year? I think that's awesome!

TU: 771 (7/17/17) | EQ: 787 (7/17/17) | EX: 792 (7/17/17)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $34,000 (10/2012); Chase Amazon Rewards, $14,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $15,000 (01/2013); Barclaycard Arrival+, $10,000 (07/2013)
Message 6 of 32
Contributor

Re: FICO 633 to 728 in 11 months, SLOW

That's not slow, it's called rebuilding. 

And it's awesome! 

 

 

Good job!


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Message 7 of 32
Frequent Contributor

Re: FICO 633 to 728 in 11 months, SLOW

Slow is a relative term. I'd be breaking my arm to pat myself on the back if I was able to say I went from undesirable credit risk to desirable in 12 months.

GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Message 8 of 32
Highlighted
Contributor

Re: FICO 633 to 728 in 11 months, SLOW

Seriously you've done a great job that I know personally isn't that easy.  With no negatives and just some inquiries all you should need is another year or so of gardening and you might be pushing 800!  Onward and upwards!

Message 9 of 32
Valued Contributor

Re: FICO 633 to 728 in 11 months, SLOW

nearly a 100 points in a year is not slow, its damm good, I would be truely amazed if you can get another 100 points in a year, it will probablty take closer to 2-3 years for the next 100. Slow and steady wins the race. 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 10 of 32