Back on April 2012, my TU=726 and EQ=710. I plan to get an Auto Loan sometimes on beginning of July. I been working since April to re-build it mt credit. i have a mortgage never been late. Auto Loan in 2001, some late on 2004 but been drop off from the report. One credit card cap1 30 days back on Jan 2006. Other than that, everything is on time. My revolving credit balance is high which is about 11k for total of 22k credit line. Well I pay down my total to 3700 balance and my EQ score jump from 710 to 763 wow. I EX plus score now is 779.
I plan to pay off the rest of the balance on next 3 weeks and hopefully by end of June, my score will jump to or close to 800. Keep my finger close, will see what happen.
