General Credit Topics

[jschaffer]

---

i_owns_the_scene wrote:

[image edited out]

---

What did you use to create that graph?

Message Edited by Raine on 02-18-2008 11:57 AM

[i_owns_the_scene]

nothing FICO created it for me if you are a scorewatch member you will find it under credit alerts

[i_owns_the_scene]

Nope my bad its under FICO HISTORY

[MidnightVoice]

In January I started to learn how to play the game....

[image edited out as it continues to update after you post it]

This showed a score going from the 600s to the the high 700s!

Message Edited by Raine on 02-18-2008 11:58 AM

[jschaffer]

How do you make it climb so fast? In the last 2 years I've only been able to go from like a 420 range to a 624 range.

[i_owns_the_scene]

no lates no collections the last 3 I had I PFDd never ever late never ever ever ever do you have any lates collections anything derog? ALWAYS make sure you keep your util between 1-9% I kept mine around 35-90% from June-October it really kept my score down in October it was 90% I knew when I paid it down I would get pushed over 700 pay them all the way down to 1%having the 90%  and paying it all the way down to 1% really gave me that push I needed.

[jschaffer]

---

i_owns_the_scene wrote:

no lates no collections the last 3 I had I PFDd never ever late never ever ever ever do you have any lates collections anything derog? ALWAYS make sure you keep your util between 1-9% I kept mine around 35-90% from June-October it really kept my score down in October it was 90% I knew when I paid it down I would get pushed over 700 pay them all the way down to 1%having the 90% and paying it all the way down to 1% really gave me that push I needed.

---

Nice. I think that's what I need to do. My utilization is at 76%. I need to get that paid down completely. I want to carry a 1% utilization balance across all my cards.

[i_owns_the_scene]

once you do that you will see a nice increase make sure you ALWAYS ALWAYS ALWAYS ALWAYS did I say ALWAYS keep your util between 1-9% and you will join the 700 before you know it

[futurebyer]

Great advice! This Christmas I'm getting myself a higher credit score by paying the remaining $150 on my CC!

My EX score went up 45+ points in one month!!!

Message Edited by futurebyer on 11-15-2007 09:06 AM

[i_owns_the_scene]

 
Re: Success Stories and Encouragement   futurebyer
Visitor
Posts: 3
Registered: 10-15-2007

Great advice! This Christmas I'm getting myself a higher credit score by paying the remaining $150 on my CC!

My EX score went up 45+ points in one month!!!

Message Edited by futurebyer on 11-15-2007 09:06 AM 11-15-2007 09:06 AM

Great job!!!!!!!! dont think you cant get + [45] tomorrow I got + [120] in 3 days