Reply
Contributor
Posts: 91
Registered: ‎05-13-2009
0

Are there any more things,and or work i can do to get score's to the 700's

[ Edited ]

I have 5 open TL's and want to get some more mileage out of my score I guess I would say here is what I have and want some advice

 

Military star card 5,200,00 limit 0 balance   age 8 yr

best buy rz mc 320.00 limit 198.69 balance age 1yr 5mo

capitol one w/CS  200.00 limit 28.00 balance age 0 yr

Exxon/Mobil 200.00 limit 0 balance age 0 yr

target red card 200.00 0 balance age 0 yr

ABOUT 4% current UT

Current AAoA 2 yr

 

My current Fico/score 648 TU report shows 2 baddies

1 Paid,charge Off First Premier 0 balance

9 lates on my military start card last one was 1yr 1mo ago

 

My current Fico/score 587 EQ report shows 3 baddies

1 collection due to come off due to goodwill from OC/ currently disputing to get it off faster 

1 Paid,charge Off First Premier 0 balance

9 lates on my military start card last one was 1yr 1mo ago

 

My current Fako/score 648 EX show 3 baddies

1 collection due to come off due to goodwill from OC/ currently disputing to get it off faster 

1 Paid,charge Off First Premier 0 balance

9 lates on my military start card last one was 1yr 1mo ago

 

 

Should I just GW the life out of aafes/military star card and first premier ? And is there anything else I can do to get my scores to go up besides GW them and letting my TL's age I want to at least be in the 700's before I Deploy  for overseas in 10 months be gone from home for a year just a goal I am shooting for. I am not getting a house or new credit till i get back home. i want to work at this now so i don't have to do it in the sandbox. Thank You

 

 

 

 

Message Edited by djse7en on 07-31-2009 06:44 PM
Message Edited by djse7en on 07-31-2009 06:50 PM
Message Edited by djse7en on 08-01-2009 08:39 AM

Starting Score: 541
Current Score: TU 719 EQ 706 EX fako 726
Goal Score: 720 all most there


Take the FICO Fitness Challenge
Contributor
Posts: 91
Registered: ‎05-13-2009
0

Re: Are there any more things,and or work i can do to get score's to the 700's

*Bump

Starting Score: 541
Current Score: TU 719 EQ 706 EX fako 726
Goal Score: 720 all most there


Take the FICO Fitness Challenge
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: Are there any more things,and or work i can do to get score's to the 700's

Well, time heals all wounds.  And it may be that your time of deployment is part of the time.

 

You can GW, but this may not result in a change.  You may just have to wait it out....

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Valued Member
Posts: 35
Registered: ‎05-30-2008
0

Re: Are there any more things,and or work i can do to get score's to the 700's

[ Edited ]

djse7en wrote:

 

 

Military star card 5,200,00 limit 0 balance   age 8 yr

best buy rz mc 320.00 limit 198.69 balance age 1yr 5mo

capitol one w/CS  200.00 limit 28.00 balance age 0 yr

Exxon/Mobil 200.00 limit 0 balance age 0 yr

target red card 200.00 0 balance age 0 yr

ABOUT 4% current UT

Current AAoA 2 yr


 

 If I'm not mistaken, I believe utilization is factored cumulative AND per account, not just cumulative alone. You said 4% util, but your Best Buy MC is showing 62% util. If you got that down under 30%, or best of all, at about 7%, you'd likely milk some points for that. People in the 760+ category shows 7% util on average, so you want to mirror that. Over 30-35% util and you're getting nailed for sure.

 

Also, the cards with $0 balances aren't helping you. You don't get points for what appear to be inactive cards. My only CC is actually a store finance card (IKEA) and I haven't used it in almost a year. My reports always say that my lack of credit use is a negative factor. They still report the $0 every month, so the DOLA is always current, but it's the $0 that giving off that message from what I see. Of course, when I use it, I lose 5-8 pts for a few months due to sudden activity on an inactive acct. I guess charging that $5.00 bad of tea candles makes me "riskier" I guess!

Message Edited by jle4044 on 08-02-2009 12:42 AM
7/12/09: EQ 772!!!
6/12/09: EQ 711 TU 675 EXP ??? (Goodbye AFNI!)
4/12/09: EQ 695 TU 675 EXP ???
4 years ago: 530 on a good day
New Contributor
Posts: 69
Registered: ‎07-03-2009
0

Re: Are there any more things,and or work i can do to get score's to the 700's

[ Edited ]

I just emailed AAFES/ECP my GW on 2 lates I had on the STAR card 2 years ago and they removed them in about 3 days. 

Message Edited by Hox on 08-02-2009 02:11 AM
08/19/09 - LO Pull EX 707 TU 687 EQ 654
Contributor
Posts: 91
Registered: ‎05-13-2009
0

Re: Are there any more things,and or work i can do to get score's to the 700's

[ Edited ]

i know my best buy is high as standalone UT but is is down from a high 310.00  i have used the other cards i just Pif last month right now all 0 balance i am slowly paying on capone since i am in credit steps and have to have a few months of good payments to get the CLI's i think from what i  read here it will max out at 750.00 depends on you starting cl

 

Hox what email addy did you use the only gw i have emailed is to the AAFES commander Major

General Thurgood i emailed to him yesterday through my army AKO account

Message Edited by djse7en on 08-02-2009 10:49 AM
Message Edited by djse7en on 08-02-2009 10:50 AM

Starting Score: 541
Current Score: TU 719 EQ 706 EX fako 726
Goal Score: 720 all most there


Take the FICO Fitness Challenge
Valued Member
Posts: 42
Registered: ‎07-26-2009
0

Re: Are there any more things,and or work i can do to get score's to the 700's

Hox, I'd be interested in that email addy also if you've got it.  PM?  Thanks!
Contributor
Posts: 91
Registered: ‎05-13-2009
0

Re: Are there any more things,and or work I can do to get score's to the 700's

Well good news tonight I am doing a little jig, I decided to check my EX PCR and all 9 of my lates were removed from my AAFES ECP/military star card hope to see the update on TU and EQ soon then all I will have is one single baddie left the First premier CO man I am really not liking the fact that they do not like to help anyone as far as I can tell so shaking off the first denial letter and going to try to put in the hard fight till they relent First premier here I come hitting the print button as I type LOL

Starting Score: 541
Current Score: TU 719 EQ 706 EX fako 726
Goal Score: 720 all most there


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 335
Registered: ‎01-09-2009
0

Re: Are there any more things,and or work I can do to get score's to the 700's

Go get 'em!!
TU: 556 12/12/08 ~ EQ: 509 12/12/08 ~ EX: 509 12/12/08
TU: 588 8/7/09 ~ EQ: 529 7/30/09 ~ EX - ?? (509 12/12/08)
TU: 619 9/01/09 ~ EQ: 608 9/01/09 ~ EX - ?? (640 FAKO 9/01/09)
TU: 626 9/30/09 ~ EQ: 624 9/30/09 ~ EX - ?? (640 FAKO 9/01/09)
TU: 659 10/7/09 LO PULL EQ: 624 10/7/09 LO PULL EX: 659 10/7/09 LO PULL
Valued Member
Posts: 42
Registered: ‎07-26-2009
0

Re: Are there any more things,and or work I can do to get score's to the 700's

So did you email the addy hox gave or was the gw a result of emailing the commander?  do you think you could pm me a copy of what you wrote also (minus your information of course)...what I'm using hasn't been working.  Thanks.

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 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.

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.