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

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tinuviel
Moderator Emeritus
‎01-18-2013 08:18 AM
‎01-18-2013 08:18 AM

Re: FICO 633 to 728 in 11 months, SLOW

@isoldmyatlas wrote:

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

+1 !!!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 11 of 32
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NewbieReed
Frequent Contributor
‎01-18-2013 08:22 AM
‎01-18-2013 08:22 AM

Re: FICO 633 to 728 in 11 months, SLOW

That is just amazing, look at your trend!! Keep it up!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 12 of 32
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SpiceIslander
Frequent Contributor
‎01-18-2013 10:35 AM
‎01-18-2013 10:35 AM

Re: FICO 633 to 728 in 11 months, SLOW

Slow? You must be kidding! You've gained almost 100 points in less than a year! I think you're doing very well. Congrats!

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 13 of 32
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Revelate
Moderator Emeritus
‎01-18-2013 10:41 AM
‎01-18-2013 10:41 AM

Re: FICO 633 to 728 in 11 months, SLOW

Hah I was ticked pick with my 81 points of improvement in a year; seriously at near 100 you are absolutely rockin' the credit building! 

 

FWIW: there's nothing instant gratification about raising FICO, it's probably going to take me another two years to get to 720, and another 3-5 years after that to get to 760 I expect.




        
Message 14 of 32
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MYCherie
Regular Contributor
‎01-18-2013 10:45 AM
‎01-18-2013 10:45 AM

Re: FICO 633 to 728 in 11 months, SLOW

 


Starting: 563 | Current: 646 | Goal: 750.
Garden 09/24/2013

Message 15 of 32
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antae
New Contributor
‎01-18-2013 10:50 AM
‎01-18-2013 10:50 AM

Re: FICO 633 to 728 in 11 months, SLOW

Congrats, things looking really good for you.

Amex BCP 25k '11 - Amex PRG '11 - Chase Sapphire 17.5k '95 - Citi Platinum Select 11.5k '93
Message 16 of 32
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SpiceIslander
Frequent Contributor
‎01-18-2013 11:10 AM
‎01-18-2013 11:10 AM

Re: FICO 633 to 728 in 11 months, SLOW

@Revelate wrote:

 

 

FWIW: there's nothing instant gratification about raising FICO, it's probably going to take me another two years to get to 720, and another 3-5 years after that to get to 760 I expect.

AMEN! LOL! When we reach a certain threshold, FICO just raises the bar! I believe one can go from 600 to 700 alot more quickly than 700 to 800!

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Message 17 of 32
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MsLadyRover
Valued Contributor
‎01-18-2013 11:36 AM
‎01-18-2013 11:36 AM

Re: FICO 633 to 728 in 11 months, SLOW

That isn't slow at all.  More like amazing! Congratulations!


Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge
Message 18 of 32
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Scupra
Super Contributor
‎01-18-2013 11:48 AM
‎01-18-2013 11:48 AM

Re: FICO 633 to 728 in 11 months, SLOW

Hmmm the things I would do to have my score climb this "slow" Smiley Happy Congrats

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 19 of 32
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armbenderc
Valued Contributor
‎01-18-2013 11:53 AM
‎01-18-2013 11:53 AM

Re: FICO 633 to 728 in 11 months, SLOW

@Scupra wrote:

Hmmm the things I would do to have my score climb this "slow" Smiley Happy Congrats

lol, thanks guys. I thought I was doing it slow.... Smiley Surprised

 

I hope in Feb, 730+

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 20 of 32
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