@lcochran3 wrote:What process(es) did you use to raise that score so quickly? I have paid off three CCs in the last week and am wondering how long it will take for that to appear as a score improvement. I'm sure I am impatient - but who wouldn't be? lol
You'll have to wait until the credit cards report to the bureaus. They will typically report right at your statement cut-off date. So whenever your next statement cuts, you can expect to see the score change shortly thereafter.
Starting Score: 529 EQ | 551 TU | 614 EX | 579 TU FAKO as of 1/12/14
@momtothree23 wrote:And from personal experience is is possible to up your credit score by 30+ points in 4 months?
Oh absolutely. I'm up 16 pts in one month, and I still have quite a few more tasks to accomplish, plus a few items that are going to be removed any day now. By this time next month, I'm hoping/expecting to have gained a total of 30+ pts. I am certain you can do it too. As has been stated, some folks have gained 100+ points in 4 months time. It just totally depends on what is on your credit report and what kinds of successes you have with PFD and GW, and getting your utilization down.
On my first day in this forum, I read a thread from a guy who had gained 40 pts from getting a Fingerhut card. (I followed suit and only got 3 pts lol). Everyone will have different experiences because it depends on your overall file. But the bottom line is that a 30 pt gain is definitely possible in 4 months.
I understand trying to gain points for a mortgage, were in the same boat and we're seeing gain. 
But I wonder if there won't be negative implications to opening three new charge accounts (FH, the secured card, and the store card) within just months of wanting to buy? Isn't that generally not recommended here within 6-12 months is apping for a mortgage or am I wrong on this one?
But I wonder if there won't be negative implications to opening three new charge accounts (FH, the secured card, and the store card) within just months of wanting to buy? Isn't that generally not recommended here within 6-12 months is apping for a mortgage or am I wrong on this one?
