BIG score jump

[miskiss]

So TU FINALLY showed me some love, my FICO score jumped from 590 to 672!

My credit profile needed more current positive TLs so I now have added 3 new TLs:

The Room Store: CL: $4000

Best Buy: CL $3000

Wal-Mart: CL $400

The inquiries and decreased average age did lower my scores a little, but I'm hoping that in 6 months to a year of positive payment history and returning my util to 1-9% I'll qualify for a new auto loan. 

They still want to give me a 19% interest rate on a auto loan. I guess since I paid cash for my last two cars, the old auto loan has fallen off my CR.   Too bad I can't request that they pull TU!

  *

mis

Message Edited by miskiss on 12-01-2007 11:28 PM

[Anonymous]

Wow congrats!! Did you get that jump in one day?

[miskiss]

The last time I checked my FICO was 10/27, so this is after I brought my utility to 7% across the board.  I also disputed and was successful at removing a few duplicated and incorrect collections.  They actually even removed one that I hadn't even disputed, but I'm not complaining!

So I guess that's a 82 point jump in 1 month!  I owe it all to everyone here who has shared their advice and success stories. I still have a ways to go, but it's so very nice to see the landmarks as they pass! I didn't even know how much utility affected your FICO score before reading these forums. I've only been here a few months, but have gained a wealth of knowledge. I'm also helping my parents now. We were able to remove an incorrect $40,000 collection from my mother's report! It feels so good to be able to help other people with the information that I have learned here.

THANK YOU EVERYONE!!!

Message Edited by miskiss on 12-01-2007 11:35 PM

[Anonymous]

I am happy for you. The is a nice score bump in a month! WTG!!