Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 407
Registered: ‎04-15-2013
0

Tips?

Hey all, I went on a app spree recently, and I also got my CR scores, my TU is 796 fico, 735 exp, and 735 EQf.. I k ow that my recent apps will bring my sores down but in 6 months it should recover, one of my question is how do I bring my exp&eqf scored up to like 750-770 at least.

Some useful informations are:
No baddies/ collection ever
Always pif/ never late ever
Prior to my new CC's I only had 1 CC a boa
No autoloans/mortgage
No bk

BCE- 34500 -BOA 123 48000 -Freedom unlimited-35000- Citi Forward- 50000 -Citi DC- 66000-Prestige 50000-CSR 35000
Garden mode 3/25/14



Established Contributor
Posts: 573
Registered: ‎10-21-2012
0

Re: Tips?

Two things I can suggest:

 

1) See if you can CLI at least one of your cards to $5k or higher.

2) Try leaving a small balance on one of your cards (between 1-7%)



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 407
Registered: ‎04-15-2013
0

Re: Tips?

To number 1. That is my goal so in 6mknth I can try and app for the last card I want csp again( my family travels a lot so it would be very beneficial of us)
To number 2 my util is always no more than 7% total on all my CC, I do how ever spread my purchases out on my cards.

BCE- 34500 -BOA 123 48000 -Freedom unlimited-35000- Citi Forward- 50000 -Citi DC- 66000-Prestige 50000-CSR 35000
Garden mode 3/25/14



Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Tips?

Why would you want your score 750 !??? I not make much diff from 720 to 800........

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor
Posts: 407
Registered: ‎04-15-2013
0

Re: Tips?

I just want it abit higher

BCE- 34500 -BOA 123 48000 -Freedom unlimited-35000- Citi Forward- 50000 -Citi DC- 66000-Prestige 50000-CSR 35000
Garden mode 3/25/14



Established Member
Posts: 26
Registered: ‎04-26-2013
0

Re: Tips?

I thought 760 was better in terms of interest rates than 720? I'm in the same boat as JaeJae12 score wise, but my utilization is way too high, so I know I need to get that together to see score changes.

I thought Equifax was more sensitive to credit card balances than TU, but if your utilization is low and you have the same score discrepancies I do, perhaps TU is just a bit more generous.
Valued Contributor
Posts: 2,361
Registered: ‎09-16-2011
0

Re: Tips?

Your score may go up or stay the same as you had only one card before, the sweet spot is 3-5 cards so its a possitive to add a couple new cards that may take the sting out of the new TL's and INQ's you incurred.

 

 

At 61 days you can request a 3x CLI from AMEX on your BCE card, After 6 months you should be golden for just about any card you want and can afford the AF on.

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak/Freeom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5.5k Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 7k, Discover IT 15.5k and a nice stack of store cards.
Last APP/HP 9/5/2016
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Tips?


nicholasyud wrote:
Why would you want your score 750 !??? I not make much diff from 720 to 800........

Ha! Your asking someone on myfico why they want a higher score...people that tweak their utility to get any extra points they can!!!

 

We are credit nerds!!!

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Frequent Contributor
Posts: 407
Registered: ‎04-15-2013
0

Re: Tips?

I thought scores matter to lenders depending on location and how they determine let's it CL on top of other information such as income n what's on it CR.

BCE- 34500 -BOA 123 48000 -Freedom unlimited-35000- Citi Forward- 50000 -Citi DC- 66000-Prestige 50000-CSR 35000
Garden mode 3/25/14



Highlighted
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Tips?

To calih : i know ppl tend to get crazy over it lol.........

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.