10-22-2012 05:30 PM
Man o man....So, upon the advice of you guys, I acquired a Walmart card with a $700 limit. Today my EQ jumped to 702, from 677 because of it.
Prior to that, EQ went up 32 points after an installment load was paid off with 100% payment history in 3yrs, and me paying down my Cap One card to less than 10% (currently 0 balance), and my US Bank reserve line down to 6%.
TU is at 672, but I expect that to go up as well. EX stuck at 652?
This was done in the last 36 days and with the great advice from this forum!
THANK YOU ALL!!! WOOT WOOT
10-22-2012 05:32 PM
Excellent! Encouragement for us all! Congratulations.
10-22-2012 07:17 PM
Awesome! Looking forward to the day I can get an approval! (:
10-22-2012 10:26 PM
Fantastic! How long did it take between when you obtained the Walmart card and when the big jump happened? That'd be valuable experience for others trying to build their credit.
10-23-2012 12:02 AM
Awesome job. Congrats!!!!
10-23-2012 01:37 AM
The increase to my EQ happened as soon as Walmart reported the account to them which has been just a couple of days, AND before I received the card. I don't even have the card yet!
Thanks for all the kudos people!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.