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Increased by 34 points!

Regular Contributor

Increased by 34 points!

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Smiley Happy Smiley Very Happy

TU 746 (10/13)
GOAL: 750+






Message 1 of 13
12 REPLIES
Frequent Contributor

Re: Increased by 34 points!

Such a great feeling!  Congrats!!! Smiley Very Happy

Message 2 of 13
Moderator Emeritus

Re: Increased by 34 points!

A most deserving increase.  Congrats to you!   Almost to that 700.  Keep it up!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 13
Regular Contributor

Re: Increased by 34 points!

lol definitely a good feeling Smiley Happy

Almost to my goal !! Smiley Very Happy

 

Thank you all!!!

TU 746 (10/13)
GOAL: 750+






Message 4 of 13
Valued Contributor

Re: Increased by 34 points!

Right on OP.

 

My EQ jumped 32 yesterday, up to 677.

 

TU had me at 662, EQ at 645, EXP at 652.

 

I wonder if the other (2) scores will or have gone up as well?

 

I credit the increase to paying off a personal loan that I've had for a couple of years that is reported to EQ, and paying down my Cap One card to about 20% (instead of maintaining 50-75%) and paying down my Reserve Credit Line at U.S. bank to less than 20%.

,

I feel I need an auto loan to help my credit as well, but I don't need another vehicle....

All I have is a Suzuki motorcycle that I'm financing through Cap One that used to be HSBC, a Cap One credit card, and my U.S. bank reserve line (credit card basically).

I don't have a variety of credit and my average account credit history is just over 4 yrs.

 

Been rebuilding for the past 5 yrs., at the age of 42.

 

Sorry for the threadjack..

Message 5 of 13
Contributor

Re: Increased by 34 points!

Congrats, OP!  That's a great increase!  Did you do anything in particular lately?

 

racerX, if you don't mind me asking, how do you like your Cap1 auto financing?  I'm in need of a car and I get these Cap1 pre-approvals every month (I have a rewards card) but I've never followed through.  I was planning to wait until maybe November since they come every month, while I'm working on getting some things removed.  But I've never known anyone who actually financed a car through them.

Message 6 of 13
Frequent Contributor

Re: Increased by 34 points!

Nice!  Congratulations!

Message 7 of 13
Established Contributor

Re: Increased by 34 points!

WOOT WOOT!! YAY!

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Message 8 of 13
Established Member

Re: Increased by 34 points!

CONGRATS!!!


Starting Score: TU 515 (8/2/12) EQX 494 (8/2/12) EXP ???
Current Score: TU 515 (8/2/12) EQX 494 (8/2/12)EXP ???
Goal Score: 620


Take the FICO Fitness Challenge
Message 9 of 13
Regular Contributor

Re: Increased by 34 points!

Congrats!

Message 10 of 13