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Tips?

Frequent Contributor

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- 98000-Prestige 50000-CSR 35000
Garden mode



9 REPLIES
Established Contributor

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

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- 98000-Prestige 50000-CSR 35000
Garden mode



Valued Contributor

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

Re: Tips?

I just want it abit higher

BCE- 34500 -BOA 123 48000 -Freedom unlimited-35000- Citi Forward- 50000 -Citi DC- 98000-Prestige 50000-CSR 35000
Garden mode



Established Member

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

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Established Contributor

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

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- 98000-Prestige 50000-CSR 35000
Garden mode



Valued Contributor

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