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Frequent Contributor
sassymomof2
Posts: 280
Registered: ‎04-16-2011
0

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!!!
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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

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

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

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!! :smileyhappy:


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


Take the FICO Fitness Challenge
Frequent Contributor
sassymomof2
Posts: 280
Registered: ‎04-16-2011
0

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!!!
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

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

No problem. :smileyhappy:


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


Take the FICO Fitness Challenge
Valued Contributor
Duncanrr
Posts: 2,857
Registered: ‎06-08-2012
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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
Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
0

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

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