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The Science of Credit

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Anonymous
Not applicable

Re: The Science of Credit

Congrats!!
Message 61 of 79
800ficogirl
Regular Contributor

Re: The Science of Credit

Thank you Donny. I'm really happy. All baddies fall off by mid next year so I'm expecting greatness 2016!






Starting Score: 524
Current Score:672-709
Goal Score:800

WellsFargo $2700 - NF Rewards Visa Signature $5000 - NF Rewards $3200 - Barclay $5500 - Walmart $3500- Sleep center $2000 - Cap One Quick Silver $4500 - Khols $300- HHGreggs $3000 - NFCU Checking Line $15,000 - Chase Sapphire Preferred $5000
Message 62 of 79
Anonymous
Not applicable

Re: The Science of Credit


@Anonymous wrote:

Getting your UTI under control will likely get you in spitting distance of 700 at the very least.

 

For best UTI, only let ONE card report a balance, and that should be <9% of that cards limit (not your total credit limit). You're likely to hit a ceiling of around 725-750 until all derogs are off your reports. After that as long as you keep current on all payments, and don't let UTI get out of control, 800+ will just be a matter of letting your accounts age.

 

You don't mention whether you have a mortgage and an installment loan - they are part of the credit mix portion of your score.


^^^^^^ agree 110% with Norman. This is what I did and it worked for me just like Norman has explained.

Message 63 of 79
800ficogirl
Regular Contributor

Re: The Science of Credit

Thank you but I've already smashed my utilization. It's rated excellent by CK and under 10%. Will be less than 3% very soon. Just waiting for baddies to fall off and my inquiries






Starting Score: 524
Current Score:672-709
Goal Score:800

WellsFargo $2700 - NF Rewards Visa Signature $5000 - NF Rewards $3200 - Barclay $5500 - Walmart $3500- Sleep center $2000 - Cap One Quick Silver $4500 - Khols $300- HHGreggs $3000 - NFCU Checking Line $15,000 - Chase Sapphire Preferred $5000
Message 64 of 79
800ficogirl
Regular Contributor

Re: The Science of Credit

Update

A few baddies are gone and the rest will be off later this year. 8% utilization, no new credit since Verizon phone nor will I do any apps until mortgage time around September. Fico scores are now 670s across board hoping to clear 700 club + by years end. In the garden!






Starting Score: 524
Current Score:672-709
Goal Score:800

WellsFargo $2700 - NF Rewards Visa Signature $5000 - NF Rewards $3200 - Barclay $5500 - Walmart $3500- Sleep center $2000 - Cap One Quick Silver $4500 - Khols $300- HHGreggs $3000 - NFCU Checking Line $15,000 - Chase Sapphire Preferred $5000
Message 65 of 79
Anonymous
Not applicable

Re: The Science of Credit

Great post. Got some good info that i will be trying on my journey to the 700 club. 

Message 66 of 79
800ficogirl
Regular Contributor

Re: The Science of Credit

Thank you. Well wishes on your journey to 700 club if you have some tips, drop them below =)






Starting Score: 524
Current Score:672-709
Goal Score:800

WellsFargo $2700 - NF Rewards Visa Signature $5000 - NF Rewards $3200 - Barclay $5500 - Walmart $3500- Sleep center $2000 - Cap One Quick Silver $4500 - Khols $300- HHGreggs $3000 - NFCU Checking Line $15,000 - Chase Sapphire Preferred $5000
Message 67 of 79
800ficogirl
Regular Contributor

Re: The Science of Credit

Big Update!!

I'm officially in the 700 Club!!!! 🎉 709 Experian credit tracker. Awaiting updates from other 2 reporting agencies last known was 671s.. Hoping for 700+ across the board. So very happy & proud of myself.






Starting Score: 524
Current Score:672-709
Goal Score:800

WellsFargo $2700 - NF Rewards Visa Signature $5000 - NF Rewards $3200 - Barclay $5500 - Walmart $3500- Sleep center $2000 - Cap One Quick Silver $4500 - Khols $300- HHGreggs $3000 - NFCU Checking Line $15,000 - Chase Sapphire Preferred $5000
Message 68 of 79
gdale6
Moderator Emeritus

Re: The Science of Credit


@800ficogirl wrote:
Big Update!!

I'm officially in the 700 Club!!!! 🎉 709 Experian credit tracker. Awaiting updates from other 2 reporting agencies last known was 671s.. Hoping for 700+ across the board. So very happy & proud of myself.

Welcome to the 700 club Smiley Happy

Message 69 of 79
800ficogirl
Regular Contributor

Re: The Science of Credit

Thank u very kindly 😊






Starting Score: 524
Current Score:672-709
Goal Score:800

WellsFargo $2700 - NF Rewards Visa Signature $5000 - NF Rewards $3200 - Barclay $5500 - Walmart $3500- Sleep center $2000 - Cap One Quick Silver $4500 - Khols $300- HHGreggs $3000 - NFCU Checking Line $15,000 - Chase Sapphire Preferred $5000
Message 70 of 79
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