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Valued Member
Posts: 47
Registered: ‎02-16-2010


Thanks to everyone on myfico!  After waiting 7 LONG years and working hard with everyone's help, I received notice today that my credit score is 739 EQ!  This is up from 623 on January 28th!  I am 2 weeks from closing on my first home and finally have confidence in my credit history!  I had one baddie that I kept fighting from Sprint for $81 and when it FINALLY went away, my score jumped from 682 to 739, so I guess it was hurting me a lot.


I have one $500 HSBC credit limit card.  Any suggestions for expanding my credit profile after the closing on my house?  I thinking of apping at my credit union and probably at Lowes.

Posts: 87
Registered: ‎06-27-2009


Im new to Myfico, so have no experience to give you,  however congrats on the score increase and keep up the great work!

03/12/14 Fico 698 EXP

Established Contributor
Posts: 786
Registered: ‎09-15-2008


Yeah, Lowes would be good or a card with Bank of America...but only after you close.

Starting Score: 454
Current Score: 690
Goal Score: 750

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New Member
Posts: 4
Registered: ‎01-24-2008


I would try a credit union, of course after you close,and check the forum for any good bank card offers.

Senior Contributor
Posts: 4,301
Registered: ‎05-01-2008


First off...congrats on the wonderful score bump!!!!!  Smiley Surprised


After your home purchase, I'd try for the Lowes.  I apped online & initially they gave me a $400 limit (what can ya buy with that??)  So I imediately called their cust service # and let them know I needed appliances.....immediate bump to $2900.


I'd certainly check with a credit union...and if you want another card for the mix, go for the Nationwide Visa.  They give some sweet limits & great rates!


Oh....congrats on the house too!!!

Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008


Wow!  Great score jump - congrats!  Talk about payoff for hard work!


hdsbmt wrote:  I have one $500 HSBC credit limit card.  Any suggestions for expanding my credit profile after the closing on my house?  I thinking of apping at my credit union and probably at Lowes.

Sounds like you have a good plan.  DH had a $500 Orchard, then app'd with Alliant CU and received a $10,000 CL Visa.




Just puttin' syrup on something, don't make it pancakes.

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