05-25-2013 01:13 PM
First I want to thank this great forum and the good people here, without them I couldn't do this
all the setps I am lisiting are the direct advice from users here, nothing from my mind
my story starts 8 months ago with a score of FAKO 650 I had only 1 AMEX charage card had it for 9 years and never missed a payment, also one midical bill collection
that was due to get dropped 1 month from then.
after drop my FAKO went to 736, went ahead and check FICO and it jumped to 750 !
did not pull the trigger and followed the adivec, my util% was around 70%, paid the bill early before the satment closes with 3 days
1 week after my FICO score jumped to 780 !
was time to pull the trigger, followed the advice again and applied for AMEX revolver,
got instant approval for AMEX BLUE P ( initial limit 15000 ) , yes even Amex rep was supriessed over the phone when I was checking it !
becuase Amex backdate, only the inq was the thing that lowerd my score, lost 8 points
Amex new card took 2 months to report, but once it did, my score jumped to 807 ........... Yes I am in the 800 club !!!
waited 1 months looking and thinking what cards do I want,
last month Applied for Citi Prefe and Chase Freedom
both cards got 7-10 msg,
called to check and it was due to ID verfication, cleared that, and got approved for Citi with 10K and Chase with 7K
both citi and chase did pull both EQ and EX
my score went down to 775,
applied for one more amex to fix AAoA a bit, got approved
when it reported last week, my score jumped to 791 FICO
right now I have :
one Amex charge
two amex revolver
one citi revolver
one chase revolver
2 inq on EQ and 4 on EX
util% is around 5%, I will drop it in few days to 0% and check results
so my message for everyone is ,, don't give up, and if you are reading these words, means you found the forum already and you are on the right track.
05-25-2013 01:24 PM
Great stuff!!! Congrats!!
05-25-2013 03:30 PM
It is my goal to be in the 700 club...I can't even what having an 800 credit score would feel like!
I am paying down my utilization too...so hopefully in a few months I will be joining you in the success party!