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Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
0

My mid score is either....(update)

[ Edited ]

Just got my TU quarterly monitoring update.....and my TU is now 669!  My EQ right now is 649 but should go up as soon as it updates to get the 2 CAs off (any day now).

 

So right now my mid-score is either 649 or 669......so excited!!

 

 

UPDATE:

 

I just pulled my TU (last CA dropped off last night due to reporting time limit expiring).  It is now 672.  While it "only" raised 3 points for my last CA coming off that doesn't bother me anymore - after all....an increase is an increase right!?

 

Eh no matter, I'm over 670 and excited about that!

 

SOOOOOO my midscore "could" be 672 oh I would love that.  LOL

 

Now....waiting on EQ to drop the last two.

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: My mid score is either....

Congrats!!! Can't wait to see what the boost will be when those 2 CAs come off. :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
0

Re: My mid score is either....


MovingForward_2012 wrote:
Congrats!!! Can't wait to see what the boost will be when those 2 CAs come off. :-)


You and me both!

 

And I am NOT a patient person by nature haha.    I need to app for some CCs to get the credit mix going and I've been waiting until those CAs come off so I have a cleaner report/better chance of approval and decent limit.   Tick tock tick tock LOL

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: My mid score is either....

Almost there! Once those CAs are removed, I don't foresee any issues with CC approval. I know the time seems to go slow but it will be here before you know it. :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: My mid score is either....

Nice going, exciting, congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
0

Re: My mid score is either....

[ Edited ]

Oh yeah...oh yeah...happy dance, one score is over 670 (for now...apping for a CC or two this weekend!)

 

Edited OP with all the details

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
Mike_B03
Posts: 1,146
Registered: ‎11-30-2012
0

Re: My mid score is either....

Are you in the process of buying a home or will be soon? Is so, why apply for credit cards or anything else right now?

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: My mid score is either....(update)

I think OP is still rebuilding and obtaining cards to help with that. I don't believe she is buying in the next 3 months. OP, correct me if I'm wrong.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Contributor
awdsmama
Posts: 756
Registered: ‎01-20-2012
0

Re: My mid score is either....


Mike_B03 wrote:

Are you in the process of buying a home or will be soon? Is so, why apply for credit cards or anything else right now?



I'm not in the process at the moment but do want to buy by the end of summer, end of the year at the latest.

 

The reason I would be app'ing for credit cards is because I don't have any currently and I've read on here multiple times (as well as was told by my CU) that you need to have them for the credit mix and to show payment history etc. 

 

:-)

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: My mid score is either....(update)

+1
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014

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