10-04-2012 11:35 PM
A most deserving increase. Congrats to you! Almost to that 700. Keep it up!
10-05-2012 02:06 AM
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..
10-05-2012 02:34 AM
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.