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Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008
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Re: My introduction I am new

Orchard was my favorite rebuilding card.

 

OP, if this is your first open CC - and being that it's a bank card, you should see some good FICO score points - maybe 20 or so (YMMV, of course) when it reports.  Congratulations!

 

Also remember you can try the ten day free trial for ScoreWatch.  That'll show you your FICO score for Equifax, as well as your report and tips on how different actions will impact your score as you move forward.  If you cancel within 10 days, it's free - otherwise keep it open for ongoing score updates.  I loved ScoreWatch when I was rebuilding - it was probably my most helpful tool.

Just puttin' syrup on something, don't make it pancakes.
New Member
Posts: 4
Registered: ‎08-19-2011
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I figured that I would use the card for few months and ch...

[ Edited ]

I figured that I would use the card for few months and check the score again around xmass time. I just checked my credit score with anualcreditscore.com and it came to 599 so few months from now I will see how it goes. 

My limit is around $200 i think so going to try to use it towards gas for the car and bike. Hopefully I will get a great xmass gift and fall in 620 range.

 

 

What is (YMMV, of course) 


Starting Score: 599
Current Score: 599
Goal Score: 650


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Valued Contributor
Posts: 1,283
Registered: ‎04-06-2011
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Re: I figured that I would use the card for few months and ch...

The credit score you got from annualcreditscore is not a FICO, is it?

YMMV is your mileage may vary.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 734 11/2012 (PSECU), TU98 695 9/2012
Goal Score: 725+ across the board


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Posts: 17,002
Registered: ‎07-14-2009
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Re: I figured that I would use the card for few months and ch...


emilgevor wrote:

I figured that I would use the card for few months and check the score again around xmass time. I just checked my credit score with anualcreditscore.com and it came to 599 so few months from now I will see how it goes. 

My limit is around $200 i think so going to try to use it towards gas for the car and bike. Hopefully I will get a great xmass gift and fall in 620 range.

 

 

What is (YMMV, of course) 


YMMV = Your Milieage May Vary.

 

Meaning the experience of someone else may not be exactly the same as yours in any given situation. Here is a list of Abbreviations.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".



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