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57 POINT jump up in 36 days!!!

Valued Contributor

57 POINT jump up in 36 days!!!

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

 

 

 

Message 1 of 9
8 REPLIES
Established Contributor

Re: 57 POINT jump up in 36 days!!!

Excellent! Encouragement for us all! Congratulations.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 2 of 9
Valued Contributor

Re: 57 POINT jump up in 36 days!!!

Congrats, that's fantastic!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 3 of 9
Moderator Emerita

Re: 57 POINT jump up in 36 days!!!

Message 4 of 9
New Contributor

Re: 57 POINT jump up in 36 days!!!

Inspiration!


Starting Score: 523
Current Score: EQ 608 EXP 648 TU 565
Goal Score: 800


Take the FICO Fitness Challenge
Message 5 of 9
Regular Contributor

Re: 57 POINT jump up in 36 days!!!

Awesome! Looking forward to the day I can get an approval! (: 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Message 6 of 9
Blogger

Re: 57 POINT jump up in 36 days!!!

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.

Message 7 of 9
Moderator Emeritus

Re: 57 POINT jump up in 36 days!!!

Awesome job.  Congrats!!!!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 9
Valued Contributor

Re: 57 POINT jump up in 36 days!!!

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!

Message 9 of 9