Thank you All !!! AT MY FICO

[rebuildmeSC]

New Here but Glad i found MYfico. ! 

I NEED to enter the gardening im addicted to new credit and limtis. 

Cap one card since December 2011- Never late (200 limit)

Went for macys 2013 and got 300 and now its at 1,000

Got a discover same time as macys 2013 limit is now 5500 thans to EVRYONE on here. 

August went on a APP spree got: Amex -2000 , Chase BP ( 1000) , Cap 1 (500) Bloomies (1500) Walmart Discover 1500, Amazon 400. All in august. 

NEVER LATE.. SOMETIMES PIF AND ALWAYS PAY 100+ more on my minimum due payment. 

Score now is 717 FAKO( experian)

                         655 TU ( why so low??) 

                         594 EQ (dont understand>>)

Now i want to Garden and see how much more credit Limit increases i can get. Please any advice i will welcome.. Thank you 

Also can someone expain why my Score is super low on EQ and TU?? and how long will it take to go back up?? UTLI at 34% and im paying it down Already not using some cards. Thanks 

[coldnmn]

Welcome to the forum you came to the right place. It was good you found the garden There are some that crack the whip if we get out of line and we all need that from time to time. LOL 

[SpiceIslander]

Congratulations on your progress & welcome to the forums!

You're right, the garden is what you need. LOL! As far as the differences in your scores, are they all FAKO scores? If so,  I would ignore them. Get real FICO scores from this site.

Keep up the good work!

[wHiTeSoL]

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@rebuildmeSC wrote:

New Here but Glad i found MYfico. ! 

I NEED to enter the gardening im addicted to new credit and limtis. 

Cap one card since December 2011- Never late (200 limit)

Went for macys 2013 and got 300 and now its at 1,000

Got a discover same time as macys 2013 limit is now 5500 thans to EVRYONE on here. 

August went on a APP spree got: Amex -2000 , Chase BP ( 1000) , Cap 1 (500) Bloomies (1500) Walmart Discover 1500, Amazon 400. All in august. 

NEVER LATE.. SOMETIMES PIF AND ALWAYS PAY 100+ more on my minimum due payment. 

Score now is 717 FAKO( experian)

                         655 TU ( why so low??) 

                         594 EQ (dont understand>>)

Now i want to Garden and see how much more credit Limit increases i can get. Please any advice i will welcome.. Thank you 

Also can someone expain why my Score is super low on EQ and TU?? and how long will it take to go back up?? UTLI at 34% and im paying it down Already not using some cards. Thanks 

If they are all FAKOs from the same site that's a telltale sign there is a huge difference in what's on each report. Order each report from all 3 CRAs by mail and grab your magnifying class. It's time to go over them with a fine tooth comb. 

[myjourney]

Welcome 

With all the new accounts your right its time to garden with help from a group that knows what your going through and will offer support

Just pop in say hello and they will greet you with encouragement 

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-November-2013/td-p/2554985

[crunching_numbers]

A young file, a low AAofA (average age of accounts), number of accounts less than one year old and the inquiries associated with getting those accounts are all contributing to your low score. Only time, and time well spent in the garden will help heal those issues. Chin up though, because your score will rise steadily over the next year as the new accounts age.