Established Member
Posts: 16
Registered: ‎10-04-2012

13 point increase!

Just wanted to share that lthis month I brought my credit card Util to 35% from 80% and got a 13 point boost to 625! This is totally because of this board, before I was just paying on time each month and not understanding that the utilization was what was killing me! Next month my newest (and last) credit card show start to show and I'm hoping that will give another boost as well.


In one month I've gone from 574-625!  It's totally like a game of tetris, and I aim to win! Thanks for all the info so far folks

Starting Myfico Scores: 574/571 (9/2012)
Current MyFico Score: 625 (10/22/2012)
Goal: 640 mid score for home purchase by October 2013

App free since 10/23/2012

In the garden until 9/2013!
Credit 1 $300/ Cap1 $500/ Cap 1 Rewards $1000

Regular Contributor
Posts: 127
Registered: ‎07-09-2012

Re: 13 point increase!

Congrats! Keep it up!

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012

Re: 13 point increase!

Congrats, I am also working on bringing my util down. Can't wait.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Regular Contributor
Posts: 163
Registered: ‎01-03-2012

Re: 13 point increase!


Myfico on 02/21/12
Trans: 538 EQ: 591 Ex???
Myfico on 10/09/12
Trans: 600 EQ 602 EX???
Lender Pull 04/15/13
Trans 680, EQ 644, Ex 608
"I'm not telling you it is going to be easy, I'm telling you it's going to be worth it"
Established Contributor
Posts: 905
Registered: ‎07-25-2008

Re: 13 point increase!



Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Posts: 3,160
Registered: ‎10-19-2012

Re: 13 point increase!

Congratulations! Are you planning to apply for a credit account soon? If so, micromanagement is very important!

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