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So close to 700 (:

New Contributor

So close to 700 (:

So exciting news to tell you guys, After Pifing my Capital One card and reporting a zero balance my credit score shoot 30 points to 694! I wanted to get a 3rd credit card soon, but now I'm thinking about gardening my 2 cards. My plan was to open a Credit Union student card to start a relationship with my bank, but now I think I'll wait it out until I'm in the higher 700's to apply and have a better chance of approval. 

 

This was a little update just to keep in touch with the forum, and I thank everyone for all the useful information and really helping me out ALOT (: ! 

Current line: Capital One Journey's, $750, Capital One Venture 10k, Discover IT card, $2100 , American Express Gold Card, NPSL, BestBuy Citi Card, $4000, Chase Marriott 7k, Chase sapphire 3k, Citi simplicity 2k, Citi diamond preferred 2.8k.
Age: 20 Credit score: EQ: 760 TU:750 EX:745 Goal: 800 age 25
Message 1 of 8
7 REPLIES
Moderator Emerita

Re: So close to 700 (:

Message 2 of 8
Valued Contributor

Re: So close to 700 (:

Thats awesome!!!

What was your UTL before and now?

*8/10/13
Message 3 of 8
New Contributor

Re: So close to 700 (:

March and April was at 17%, May 9%, June 7%, and June 3% (:
Current line: Capital One Journey's, $750, Capital One Venture 10k, Discover IT card, $2100 , American Express Gold Card, NPSL, BestBuy Citi Card, $4000, Chase Marriott 7k, Chase sapphire 3k, Citi simplicity 2k, Citi diamond preferred 2.8k.
Age: 20 Credit score: EQ: 760 TU:750 EX:745 Goal: 800 age 25
Message 4 of 8
Frequent Contributor

Re: So close to 700 (:

Try to get cli on existing cards with a HP. Score will boost above 700 if you are able to get those.


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Message 5 of 8
Mega Contributor

Re: So close to 700 (:


TheRealJosh94 wrote:

So exciting news to tell you guys, After Pifing my Capital One card and reporting a zero balance my credit score shoot 30 points to 694! I wanted to get a 3rd credit card soon, but now I'm thinking about gardening my 2 cards. My plan was to open a Credit Union student card to start a relationship with my bank, but now I think I'll wait it out until I'm in the higher 700's to apply and have a better chance of approval. 

 

This was a little update just to keep in touch with the forum, and I thank everyone for all the useful information and really helping me out ALOT (: ! 


CONGRATS!! Smiley Happy

 

I miss the 700 club.................Smiley Mad




EQ FICO 548 3/3/16
Message 6 of 8
Senior Contributor

Re: So close to 700 (:

Congrats!  700+ is easily within your grasp.Smiley Very Happy

Message 7 of 8
Frequent Contributor

Re: So close to 700 (:


TheRealJosh94 wrote:

So exciting news to tell you guys, After Pifing my Capital One card and reporting a zero balance my credit score shoot 30 points to 694! I wanted to get a 3rd credit card soon, but now I'm thinking about gardening my 2 cards. My plan was to open a Credit Union student card to start a relationship with my bank, but now I think I'll wait it out until I'm in the higher 700's to apply and have a better chance of approval. 

 

This was a little update just to keep in touch with the forum, and I thank everyone for all the useful information and really helping me out ALOT (: ! 


You're on your way! Smiley Surprised I left the door open for you, see you soon! Smiley Very Happy

CL $317,649
Message 8 of 8