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Frequent Contributor
Posts: 270
Registered: ‎03-19-2013
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Just passed 700's

I just saw my scores EQ Fico is 704, TU Fico is 714, and FAKO EX is 700.   Do these score really matter when you have such a thin file and only one year of credit history?


*21 Years Old* Started my credit at age 19
Chase Sapphire Preferred Visa Signature- $8,000 II TFCU - $2,500 II Amex BCE - $2,400 II Wells Fargo Cash Back College Card - $1,900 II Paypal Extras Mastercard - $4,400 II American Eagle VISA - $2700 II Best Buy Mastercard - $3,000 II Kay Jewelers - $5,600

Established Contributor
Posts: 817
Registered: ‎04-21-2013
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Re: Just passed 700's

Congrats...


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise.
Amex’s- BCE, Hilton and SPG®, NFCU Cash Rewards, FHB Destinations World Elite.
(Citi)- Dividends Platinum Select, Executive/Platinum® Advantage,Hawaiian Airlines World Elite


Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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Re: Just passed 700's

It still matters. Congrats. Just keep your cards paid down and don't go into debt and your average ag of accounts will grow further solidifying your good credit. The key is to develop and practice good long term habits. You are well on the way...Good goin'.

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Member
Posts: 313
Registered: ‎04-25-2013
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Re: Just passed 700's

[ Edited ]

Congrats! They do matter! Just focus on the future w/ those cards and grow them, and before long, honestly scores will go up as long as util stays low and AAoA increases. I'm in the same boat as you... pretty low AAoA, so it's a lot of planning now. :smileyhappy: 


CarlosC88 wrote:

I just saw my scores EQ Fico is 704, TU Fico is 714, and FAKO EX is 700.   Do these score really matter when you have such a thin file and only one year of credit history?


 

In my Snoopy holder: NFCU Flagship Sig Visa-- $11K | Chase Freedom -- $2500 | AMEX BCE -- $2000 | Amazon Visa -- $2000 | Discover It $1500| Old Navy Visa -- $1000 | Target Red Card -- $300

TU (Disc Pull 4/29/13) -- 752 | AmexEQ (6/13/13) -- 728 | AmexEXP-- 737 | AmexTU-- 737 (5/28/13)
Goals: 740 EQ/EXP/TU
Gardening until 12/3/13 -- or longer
New Member
Posts: 120
Registered: ‎05-14-2013
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Re: Just passed 700's

Good for you!!! 700 is awesome!

Established Contributor
Posts: 909
Registered: ‎12-25-2010
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Re: Just passed 700's


CarlosC88 wrote:

I just saw my scores EQ Fico is 704, TU Fico is 714, and FAKO EX is 700.   Do these score really matter when you have such a thin file and only one year of credit history?


As everyone has said, keep your  balances low and establish good payment habits, and soon the credit card offers will be drowning your mailbox!!!


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
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Re: Just passed 700's

You've gotta be stoked right now!  Good job!!

 

You'd be amazed at how fast thin files get fatter.  Time flies, don't ya know...keep a good payment pattern, ya'll be golden!!

 

Congratulations to you for a job well done.

 

Uborrow-Upay

 

Moderator
Posts: 27,203
Registered: ‎09-13-2012
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Re: Just passed 700's

Established Member
Posts: 21
Registered: ‎05-14-2013
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Re: Just passed 700's

Congrats! I'll be getting up there sooner or later.

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