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Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
0

Huge score jump into the 7's

Well I have been rebuilding for two years  finally got EQ and EX  straight and my first credit card reported this morning.  Went from 9002 on both EQ and EX  to fako's  726 EX and 717 EQ.  Transition still has one baddie on it that's in dispute and at 563. Trying to buy fico's from here and it said the servers to busy.   Now just to get Lincoln tech removed from TU and IM good to go.  It says 1 thing bringing my good scores down is no credit card over 2k showing so my question is what credit card's to apply for that I will likely to be approved for  that would give me a 2k+ limit and only check EX and EQ.  Thanks for any input you can offer


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Huge score jump into the 7's

It had been my understanding that a single card's CL didn't factor into the score, and it was all about UTIL.  Can you/someone clarify that point?

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012
0

Re: Huge score jump into the 7's

[ Edited ]

im not sure about that. my cap one account was showing 5% util.  next month it will be 8% so i will be able to post than if theres a change i charged more and let the statement cut and just payed it off this morning  just for that reason.


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU DISCOVER FICO 743 LENDER PULL 9/24/2014 EQ FICO 751 EXPERIAN 757
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $10,000 KAWASAKI GOOD TIMES CARD $21,000
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Huge score jump into the 7's

AFAIK anything under 9% is the same, although there may be a negative difference at 0%, according to a few

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL

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