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Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

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

[ Edited ]

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%
Regular Contributor
SE7EN57
Posts: 177
Registered: ‎12-08-2012

Re: FICO 633 to 728 in 11 months, SLOW

It looks good to me!

 photo d132202e-50dc-4d73-9df2-1f138f451209_zps8ca7acb4.jpg
Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012

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 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011

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
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

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%
Frequent Contributor
isoldmyatlas
Posts: 341
Registered: ‎04-28-2012

Re: FICO 633 to 728 in 11 months, SLOW

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

TU: 761 (7/13/14) | EQ: 777 (7/6/14) | EX: 762 (4/6/14)

Cap1 Quicksilver, $4,750 (4/2012); Discover IT, $5,000 (10/2012); Chase Amazon Rewards, $7,600 (10/2012); AMEX Hilton HHonors, $15,000 (11/2012); AMEX Blue Cash Everyday, $10,000 (01/2013); Barclaycard Arrival+, $10,000 (07/13); Chase Hyatt, $7,000 (09/13)
Contributor
SpeedingWheels
Posts: 253
Registered: ‎08-06-2012

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?)
Frequent Contributor
jake619
Posts: 496
Registered: ‎11-13-2012

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



Contributor
timkrof
Posts: 78
Registered: ‎03-02-2009

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!

Valued Contributor
jamesdwi
Posts: 1,433
Registered: ‎09-16-2011

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 & 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.

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