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Senior Contributor
Posts: 4,195
Registered: ‎07-26-2008
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Re: 75% utilization paid off!!!

Congrats on paying utilization down! That's a good feeling. Keep us posted on your score :smileyhappy:

 

 


Current cards: CSP - Freedom - Discover It - Amex BCP - BoA BBR - Capital One QS and QS1 - Citi TY

Regular Contributor
Posts: 135
Registered: ‎03-06-2013
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Re: 75% utilization paid off!!!

[ Edited ]

WOHA!!!!! UPDATE UPDATE UPDATE!!!!

just  recieved an alert  wells fargo reported a $0 balance ( was $254 ) and my  fico jumped 20 POINTS!!!

 

waiting on

 OPEN SKY CC..... to report  $0 balance as well in 3 days (was $987 )   :smileyhappy:

FIRSTPROGRESS ......in 4 days another $0 balance (was 200) 

 

ONLY BALANCE I HAVE ITS A UNSECURED CC WITH CREDITONEBANK WITH $85 

 

578 FICO SCORE!!!!! 

 

HONESTLY I WAS HOPING TO GET A CREDIT SCORE OF 10 POINTS AFTER PAYING MY CC ... IM SO HAPPY!!!

 

never been this far!!!! just to think 6 month ago i had a 460 FICO SCORE :smileyhappy:

Hey my credit is not that bad.. at least i got a couch with a 87% APR :smileyhappy:

Starting Score: 462 :smileysad: journey started on 3/29/2013
Current Score: EXP 715 :smileyhappy: EQ 720 :smileyhappy: TU 700 Barclaycard fico :smileyhappy:
Goal Score: 700+ one day :smileyhappy: update... 750+ across the board


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Contributor
Posts: 115
Registered: ‎06-18-2013
0

Re: 75% utilization paid off!!!

Keep it up! I went from a 556 eq to 652 in 6 months I can be done!
Contributor
Posts: 115
Registered: ‎06-18-2013
0

Re: 75% utilization paid off!!!

It*
Valued Member
Posts: 38
Registered: ‎02-21-2008
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Re: 75% utilization paid off!!!

Congrats! This inspires me so much!
Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013
0

Re: 75% utilization paid off!!!

Congrats and keep up the good work nice score bump indeed

 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Regular Contributor
Posts: 135
Registered: ‎03-06-2013
0

Re: 75% utilization paid off!!!

Thanks all of you fico community honestly 578 still sucks but I'm only 6 month with good credit habit payments in time and rebuilding
Can't wait to hit those 600s :smileyhappy:
Keep it up guys and gals !!
Hey my credit is not that bad.. at least i got a couch with a 87% APR :smileyhappy:

Starting Score: 462 :smileysad: journey started on 3/29/2013
Current Score: EXP 715 :smileyhappy: EQ 720 :smileyhappy: TU 700 Barclaycard fico :smileyhappy:
Goal Score: 700+ one day :smileyhappy: update... 750+ across the board


Take the myFICO Fitness Challenge


Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013
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Re: 75% utilization paid off!!!


cyberone28 wrote:
Thanks all of you fico community honestly 578 still sucks but I'm only 6 month with good credit habit payments in time and rebuilding
Can't wait to hit those 600s :smileyhappy:
Keep it up guys and gals !!

It just takes time for scores to respond and in IMHO you will be just fine if you keep applpying the knowledge you now have.

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Regular Contributor
Posts: 135
Registered: ‎03-06-2013
0

Re: 75% utilization paid off!!!

Thanks I will update this thread when my other cc reports
Hey my credit is not that bad.. at least i got a couch with a 87% APR :smileyhappy:

Starting Score: 462 :smileysad: journey started on 3/29/2013
Current Score: EXP 715 :smileyhappy: EQ 720 :smileyhappy: TU 700 Barclaycard fico :smileyhappy:
Goal Score: 700+ one day :smileyhappy: update... 750+ across the board


Take the myFICO Fitness Challenge


Regular Contributor
Posts: 135
Registered: ‎03-06-2013
0

Re: 75% utilization paid off!!!

UPDATE SUDDENLY A FICO INCREASE!!  578 ---> 589 weird that on the alert it didnt show why it was increased, my CC that had a $897 now paid to $0 havent reported yet... fingers crossed to recieve another alert by tomorrow!!  :smileyhappy:

Hey my credit is not that bad.. at least i got a couch with a 87% APR :smileyhappy:

Starting Score: 462 :smileysad: journey started on 3/29/2013
Current Score: EXP 715 :smileyhappy: EQ 720 :smileyhappy: TU 700 Barclaycard fico :smileyhappy:
Goal Score: 700+ one day :smileyhappy: update... 750+ across the board


Take the myFICO Fitness Challenge


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