Credit Card Center Advertiser Disclosure

Regular Contributor
Posts: 129
Registered: ‎02-14-2012
0 Kudos

Stuck at 650 what next?

I have raised my score over 100 points in one year but now I am stuck at 650 and can't seem to move....any advice out is my current situation



Cap one CC = $500 limit 0 balanace 17 month payment history 

Cap one CC (rewards) = $500 limit 0 balance 6 month payment history

Great Lakes (student loan) $6K balance $72 monthly payment 10 year clean payment hisotry 



Wells fargo education = 5 student loan trade lines with late payments.  Have GW'd many times with no luck even after my rehab was done.  Accounts where open in 2001 and show no negative payment history since 2009 

National bank of commerce = Charge off DOFD was 2006 will not remove 

HSBC = Paid Charge off will not remove 2009 

First Premier Bank = Charge off will not remove 2009 


Need help in breaking through to the next level  any advice would be great!  Thank you 

Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: Stuck at 650 what next?

Those baddies are still holding you back a bit.  You have some positive TLs that will grow and develop more over time.  Might try to add a few more positive TLs to beef up your CR a little more, of course that will cost a bit of drop at first due to the AAoA and Inq.   You could also keep plugging away at those baddies, they may say no 100 times, but it only takes one yes.  Good lucks!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Regular Contributor
Posts: 162
Registered: ‎11-13-2012
0 Kudos

Re: Stuck at 650 what next?

+1 w/ Shogun

Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO 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.