cancel
Showing results for 
Search instead for 
Did you mean: 

Just passed 700's

Frequent Contributor

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?


*22 Years Old* Started my credit at age 19
Chase Sapphire Preferred Visa Signature- $9,200 II TFCU - $2,500 II Amex BCE - $2,400 II Paypal Extras Mastercard - $7,600 II American Eagle VISA - $3300 II Best Buy Visa - $3,000 II Chase Slate - $500
Message 1 of 9
8 REPLIES
Established Contributor

Re: Just passed 700's

Congrats...


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


Alaska Airlines
Message 2 of 9
Valued Contributor

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'.

Message 3 of 9
Valued Member

Re: Just passed 700's

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. Smiley Happy 


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
Message 4 of 9
New Member

Re: Just passed 700's

Good for you!!! 700 is awesome!

Message 5 of 9
Established Contributor

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
Message 6 of 9
Valued Contributor

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

 

Message 7 of 9
Moderator Emerita

Re: Just passed 700's

Message 8 of 9
Highlighted
Established Member

Re: Just passed 700's

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

Message 9 of 9