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Yes, yes, I know it's a FAKO. But, I started subscribing to zendough.com before I learned about these boards, and I've kept up my subscription because I enjoy watching my little, virtual bonsai tree (which represents the state of my credit) grow. I started at 619, and as of today I'm at 742. Under the VS, 600s are fair credit, 700s are good credit. Under the FICO scoring model, I'm getting close to transitioning from "fair" to "good"... soon, I hope.
I know that the models don't corrolate. But, the reason for the boost was from payment on an old, outstanding CC debt posting to TU. I made this payment amount last month and only got <10 point boost; don't know why such a larger one this month. Anyway, whatever the scoring model, paying down debt is always a good thing!!! I'm happy that my credit is moving in the right direction.
that great! your on your way. just even the smallest increase means a lot.