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Hi Everyone ~
So, boy have I come a LONG way!!! Was in the mid 500's about 3 years ago.
Now I stand at 732 EQ FICO (Purchased here on myfico.com).
Here is a summary of my accounts:
Amex Green Charge - Posts about $4000 per month to the CR, no late pays and I do pay it off about 7-10 days before the due date every month
Discover - $0 Balance, $12,300 Limit - Never Late
WSECU Visa $0 Balance, $7,000 Limit - Never Late
Car Loan 1 - Balance $54,300 Origional Loan Amount $61,500 - Never Late
Carl Loan 2 - Balance $24,520 Origional Loan Amount $30,000 - Never Late
House Loan - 443,362 - worst late was 120 days back in December 2008
HELOC - $112,410 Balannce - Limit is $111,600 - worst late was 90 days back in Decemebr 2008
Oldes account age is 12 years AAOA is 8 Years.
That's it - I am now at EQ 732 - any ideas on brining the score up higher?
Will paying down the HELCO Balance bring up the score, or am I just looking at aging now?
Thanks to everyone on this board, without you, I would not be sitting here where I am.
Two things your HEloc has more owed than the original credit line BAD. Also it doesnt matter if you pay in full 7-10 days before due date only thing that matters is the statement cut date. I hope that helps