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75% utilization paid off!!!

Senior Contributor

Re: 75% utilization paid off!!!

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

 

 

Message 11 of 21
Regular Contributor

Re: 75% utilization paid off!!!

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 )   Smiley Happy

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 Smiley Happy

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

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


Take the myFICO Fitness Challenge


Message 12 of 21
Contributor

Re: 75% utilization paid off!!!

Keep it up! I went from a 556 eq to 652 in 6 months I can be done!
Message 13 of 21
Contributor

Re: 75% utilization paid off!!!

It*
Message 14 of 21
Valued Member

Re: 75% utilization paid off!!!

Congrats! This inspires me so much!
Message 15 of 21
Super Contributor

Re: 75% utilization paid off!!!

Congrats and keep up the good work nice score bump indeed

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 16 of 21
Regular Contributor

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 Smiley Happy
Keep it up guys and gals !!
Hey my credit is not that bad.. at least i got a couch with a 87% APR Smiley Happy

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


Take the myFICO Fitness Challenge


Message 17 of 21
Super Contributor

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 Smiley Happy
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.

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 18 of 21
Regular Contributor

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 Smiley Happy

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


Take the myFICO Fitness Challenge


Message 19 of 21
Regular Contributor

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!!  Smiley Happy

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

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


Take the myFICO Fitness Challenge


Message 20 of 21