Credit Cards Center Credit cards from our partners
Reply
Senior Contributor
Posts: 4,324
Registered: ‎07-26-2008
0

Re: 75% utilization paid off!!!

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

 

 

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
0

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 )   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


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: 43
Registered: ‎02-21-2008
0

Re: 75% utilization paid off!!!

Congrats! This inspires me so much!
Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

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?
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 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


Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

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?
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 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


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!!  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


Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.