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myFICO gave a range of 688 - 728 within the next year and a range of 728 - 768 in the next two years. This is just Equifax. Experian and TransUnion tend to be slighly higher in my case.
Current score: 608 (EQ)
Oldest account: 1 year, 6 months.
AAoA: 8 months.
Future score: 688 - 728 (1 year later)
Oldest account: 2 years, 6 months.
AAoA: 1 year, 2 months.
Future score: 728 - 768 (2 years later)
Oldest account: 3 years, 6 months.
AAoA: 1 year, 8 months.
You would probably be approved for some of the comenity cards. Try the shopping cart trick.
UTIL: 23%
Lots of inquiries (21).
No missed payments.
No baddies.
About $18,000 in student loans. Income: $60,000.
About $1,800 in consumer debt. Paying in full by the end of July.
What has your EQ so low currently with no baddies?
What are they basing your score increases on? I don't tend to like the projecting models for future credit scores.
Well, I did open a lot of accounts recently. Could that do it?
@cbarret2 wrote:Well, I did open a lot of accounts recently. Could that do it?
could be...
What have you opened?
Why do you want to apply for anymore if that is the case?
I applied for BOA, Capital One, CareCredit, and Wal-Mart within the last 6 months and was approved. I want at least one high limit rewards VISA or MasterCard like the Capital One Quicksilver. I'd be satisfied with that for a while. I'm going to garden for it for a year or two. Just until I can get the Quicksilver.
@cbarret2 wrote:I applied for BOA, Capital One, CareCredit, and Wal-Mart within the last 6 months and was approved. I want at least one high limit rewards VISA or MasterCard like the Capital One Quicksilver. I'd be satisfied with that for a while. I'm going to garden for it for a year or two. Just until I can get the Quicksilver.
well u would defintely get the quicksilver go for it!!!!