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Trying to Garden but EQ simulator says my score will increase with cards--

Frequent Contributor

Trying to Garden but EQ simulator says my score will increase with cards--

Help!

 

I am desperately trying to get over 700 with EQ which has been my lowest of all of the CB.  I am at 687 with 18% util.  Whats holding my score down are:  1 Paid Judgement which is 4 years old next month.  Three medical collections- 2 paid 1 unpaid all 5 years old.  

 

I currently have AMEX PRG (opened August 2012), Discover (opened August 2012), Lowes (open April 2012), Orchard Bank (June 2011), Barclays (Oct 2011), and Rooms to Go.

 

Question:  What card to apply for that would take me-baddies and all?  Or, someone please  hand me some itch cream.


Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 1 of 7
6 REPLIES
Super Contributor

Re: Trying to Garden but EQ simulator says my score will increase with cards--

Rexall Calamine Lotion - Dollar General


sassymomof2 wrote:

Help!

 

I am desperately trying to get over 700 with EQ which has been my lowest of all of the CB.  I am at 687 with 18% util.  Whats holding my score down are:  1 Paid Judgement which is 4 years old next month.  Three medical collections- 2 paid 1 unpaid all 5 years old.  

 

I currently have AMEX PRG (opened August 2012), Discover (opened August 2012), Lowes (open April 2012), Orchard Bank (June 2011), Barclays (Oct 2011), and Rooms to Go.

 

Question:  What card to apply for that would take me-baddies and all?  Or, someone please  hand me some itch cream.


stop the itch your almost there

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 7
Senior Contributor

Re: Trying to Garden but EQ simulator says my score will increase with cards--

The simulator isn't real. Youer score could actually go down!! Smiley Happy


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 3 of 7
Frequent Contributor

Re: Trying to Garden but EQ simulator says my score will increase with cards--

Bwahh!!! Thanks!!!


Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Message 4 of 7
Senior Contributor

Re: Trying to Garden but EQ simulator says my score will increase with cards--

No problem. Smiley Happy


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 5 of 7
Valued Contributor

Re: Trying to Garden but EQ simulator says my score will increase with cards--

The simulator is a broken clock. Only use it for general scoring purposes. I wouldn't trust it on anything precise.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 7
Highlighted
Senior Contributor

Re: Trying to Garden but EQ simulator says my score will increase with cards--


Duncanrr wrote:
The simulator is a broken clock. Only use it for general scoring purposes. I wouldn't trust it on anything precise.

I wish it could simulate paying off an individual card.

 


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 7 of 7