@Anonymous wrote:
Sorry that should be EQ. I have been buying my score on this site. I have actually bought both scores 6 times in the last month and a half. So I've been monitoring my score very closely.
I'd suggest using that money to pay the CC's 
Checking it every week isn't necessary. Possibly 1x per month or in extreme circumstances 2x in a month for particular purpose. But even with the Discount Code, you are popping $25 per 2 reports, so I suggest use the money strategically.
Subscribe to one of the services that allow you to get updated credit reports. Review the "content" and not worry about the score for now. If you follow the guidelines of good credit and see these things taking place in the credit report, you can have confidence the scores will reflect this because scores are calculated on the content.
Paying the cc's down is good. Keep it under 10% for best utiliation (7% if you want to mirror FICO high achievers). Don't allow more than 1 cc to report a balance.
How old is your oldest account? What is your AAoA? How old is your newest account? How many inquiries? What derogs do you have and how recent? How many balances on ALL loans and CC's? What is the CC total balance amout?
It may be that you need to allow some account aging, inquiries to go past year, reduce number of balances, etc.
Just 1 , I try not to apply for CC's. Nothing else has changed Im positive. I have 3 90 day from 3 separate Nelnet accounts those are 6 years old ( did a GW yesterday). I have 1 judgement that is 5 years old and paid in full ( I didn't agree with this and went to court had no idea it would end up on my report). Average age of accounts 8 years.
TU: 686
EQ: 678
Ryanfico wrote:Just 1
Just as I suspected. While you certainly can have high 700 scores (and probably into the 800s) with only one CC, the points gained would be lower with the one in comparison to having multiple CCs and paying them down to the same util percentage. If you don't want any more CCs (depends on your goals), then try tweaking the one to report 5%, 3%, $1, etc. You may eeek out a few points here or there.
