Another increase...this time 34 points!

[reereetx]

Thanks to this board!  My scorewatch email just arrived.  Another increase!  Now at 612.  On 6/27/09 when I first found this site....my EQ score was 529.  So 83 points in a little over 3 months.  Not bad.  Plus...my credit one card just increased my limit $75 without me even paying it in full like I thought I would have to do before seeing a limit increase!  Wahoo!!!!  There is hope!

[Creditobsessed12]

Wow that is great!!! Congrats!  What have you done in the past 3 months to cause this change?

[reereetx]

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@Elizabethd1012 wrote:
Wow that is great!!! Congrats!  What have you done in the past 3 months to cause this change?

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I wrote several dispute letters.  I had 1 account showing I had been 30-days late when I hadn't.  I also have paid off a couple of debts-a tractor loan and a personal loan.  I have been paying my payments on time faithfully.  One of my student loans will be paid off in the next couple of months!  I am aiming to get to the point where I can pay my 2 credit cards in full!  Right now my Credit One VISA has a limit of $275 and my balance is $191; My Orchard MasterCard has a $300 limit and a $278 balance; so I feel like once I get those paid down....hopefully my score will increase again...tremendously would be nice right? 

[XAVIERSMAMA]

Congratulations  If you get those balances down below 50% util you will definitely see a nice bump.  And then another one once you get one to report 0 and the other to report 9% or less.  Keep it up!

[BungalowMo]

Congrats on the bump & keep up the good woek.  Try & put those cards in a drawer & pay one off to $0 & get the other down under 9% & you'll see a NICE bump!  50% doesn't cut it.  FICO likes your total rev debt down around 7% to be

Mo