Reply
Regular Contributor
Posts: 214
Registered: ‎08-02-2012
0

how much of a bump to be expected?

with a new CC? 5k limit? Just wanted to see what I could/should expect ya'll???? I cant simulate anymore :smileysad:

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: how much of a bump to be expected?

all depends on history, current utl, inq, too many factors to know.. you could always try the credit sim here for a ball park number

ccpics2.jpg
Epic Contributor
Posts: 23,797
Registered: ‎10-23-2007
0

Re: how much of a bump to be expected?


beautybrainsbooty wrote:

with a new CC? 5k limit? Just wanted to see what I could/should expect ya'll???? I cant simulate anymore :smileysad:


What Credit Cards do you currently have open?

What are those Limits?

Fico Scores: EQ- 662., TU 684 Barclay, EX 700 (3/21/15)

You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
72 Cards and Counting :smileytongue:
Regular Contributor
Posts: 214
Registered: ‎08-02-2012
0

Re: how much of a bump to be expected?

USAA, 3k

Walmart 300

Car loan down to 3k

Personal loan 1.5k

6 inqs

Never late with anything EVER, always pif.

 

Adding a 5k CC to my profile.

 

Thanks for the help! As I stated above I can't simulate anymore and I don't need to buy a report yet :smileywink:

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Epic Contributor
Posts: 23,797
Registered: ‎10-23-2007
0

Re: how much of a bump to be expected?


beautybrainsbooty wrote:

USAA, 3k

Walmart 300

Car loan down to 3k

Personal loan 1.5k

6 inqs

Never late with anything EVER, always pif.

 

Adding a 5k CC to my profile.

 

Thanks for the help! As I stated above I can't simulate anymore and I don't need to buy a report yet :smileywink:


What about going back to USAA and applying for 2nd card or CLI on current.

Do you have Citi? Maybe higher limit with them... lots of luck with Discover Lately (try Pre-Qualify, don't apply if you don't get offer!)

 

otherwise I would say if you can't get over $5k with USAA you are looking at uphill battle to get that with other creditors if I understand that USAA usually gives VERY large CL's... but really know way of knowing otherwise how some banks internal computers pull reports, formalize them the way they like and spit back out approval or what not...

also Barclay good option, because you can call in and recon for higher which might work...

Fico Scores: EQ- 662., TU 684 Barclay, EX 700 (3/21/15)

You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
72 Cards and Counting :smileytongue:
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.

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.