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Established Contributor
armbenderc
Posts: 776
Registered: ‎09-11-2012

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

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‎01-18-2013 07:18 AM - edited ‎02-09-2013 10:11 AM

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

 

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
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Regular Contributor
SE7EN57
Posts: 133
Registered: ‎12-08-2012

Re: FICO 633 to 728 in 11 months, SLOW

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‎01-18-2013 07:20 AM

It looks good to me!

photo d132202e-50dc-4d73-9df2-1f138f451209_zps86e34e8d.jpg
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Established Contributor
calihlove75
Posts: 709
Registered: ‎05-16-2012

Re: FICO 633 to 728 in 11 months, SLOW

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‎01-18-2013 07:26 AM

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 751, TU 731, Walmart TU fico 740, EQ 741
Inquiries last 2 years/1 year/6 months: EX-7/3/0, TU- 11/6/1, EQ-3/1/0~ app free since 11/23/12
Kohls $600~Amex BCE $2000~ Walmart Discover $6000~NFCU Signature CashRewards $9000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $450~ Amazon Store $7000~ Fingerhut $1350
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tennisfan78
Posts: 580
Registered: ‎09-18-2011

Re: FICO 633 to 728 in 11 months, SLOW

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‎01-18-2013 07:28 AM

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
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Established Contributor
armbenderc
Posts: 776
Registered: ‎09-11-2012

Re: FICO 633 to 728 in 11 months, SLOW

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‎01-18-2013 07:37 AM

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.

Current Score: Amex Plus (02/13): 728 EX, 728 EQ, Discover LP (03/13): 731 TU, Walmart TU08 (04/13) 734
2013 App'd: 03/01/13 - Discover IT (Approved), 03/04/13 - Amex BCE (Approved), 05/04/13 - CSP (Approved)
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Regular Contributor
isoldmyatlas
Posts: 205
Registered: ‎04-28-2012

Re: FICO 633 to 728 in 11 months, SLOW

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‎01-18-2013 07:41 AM

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

TU: 732 (11/27/12) EQ: 705 (11/27/12) EX: 723 (1/7/13)

Cap1 Newcomers, $750 (4/2012); AMEX Green, NPSL (10/2012); Discover IT, $3500 (10/2012); Chase Amazon Rewards, $1100 (10/2012); AMEX Hilton HHonors, $4000 (11/2012); AMEX Blue Cash Everyday, $4000 (01/2013); Chase Southwest Airlines Rapid Rewards Plus, $6500 (03/2013)

Zero credit history to over 19k in credit in under a year...all thanks to this community!
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SpeedingWheels
Posts: 245
Registered: ‎08-06-2012

Re: FICO 633 to 728 in 11 months, SLOW

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‎01-18-2013 07:42 AM

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

And it's awesome! 

 

 

Good job!


Walmart ($2000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($2500) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($937?)
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Frequent Contributor
jake619
Posts: 454
Registered: ‎11-13-2012

Re: FICO 633 to 728 in 11 months, SLOW

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‎01-18-2013 07:46 AM

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


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timkrof
Posts: 78
Registered: ‎03-02-2009

Re: FICO 633 to 728 in 11 months, SLOW

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‎01-18-2013 07:53 AM

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!

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Valued Contributor
jamesdwi
Posts: 1,078
Registered: ‎09-16-2011

Re: FICO 633 to 728 in 11 months, SLOW

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‎01-18-2013 08:15 AM

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. 

 

 

Wallet: FNBO DISC 7.5k, , Chase Freedom 3k & Slate 3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
Sockdrawer: Paypal Extras MC 3.2k, CapOne 2k, CapOne 750, Amazon 3.9k, Sams Club store 4.8k, and a nice stack of store cards.
Last APP 5/16/2013
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