Credit Card Center Advertiser Disclosure

Established Member
Posts: 13
Registered: ‎07-17-2012
0 Kudos

Score climbing slowly but surely

Waiting for my fico alert change email is almost like waiting for a text or email from that guy you are obsessing over.  Whenever I see "there has been a change in your fico score" my heart skips a beat. 


Since I signed up in July, my score has gone from 644 to 665.  I really want to hit 720 within a few months but I don't know if that is realistic.  I am down to $3,099 in credit card debt.  Anyone out there think I can paying off this amount will boost my score that much?

Established Member
Posts: 21
Registered: ‎09-16-2012
0 Kudos

Re: Score climbing slowly but surely

I'm the same way. Everytime I get an e-mail or a text message about a score change, I have to log-in immediately. I started out with my scores in the 650-ish range at the beginning of this year and have improved them to the low 730's.


I don't know if just paying you CC's down will be enough to get you to 720 in the next few months or not. Do you have any baddies you're trying to get rid of? If so, that would definitely help.

Starting Score: 671 TU (1/29/12), 653 EQ (1/29/12)
Current Score: 740 TU (5/5/13), 759 EQ (6/5/13), 745 EX (6/15/13)
Goal Score: 800+

Take the myFICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.