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credit score

New Member

credit score

how much will my credit score in crease in 3 months with a secure credit card i just have a secured master  card ..score is on 500s all three bureas..thanks

Message 1 of 7
6 REPLIES
Moderator Emeritus

Re: credit score

For clarity, do you only have one CC or two? If two, how old is the first one?

 

Where did you get your scores from?

Message 2 of 7
New Member

Re: credit score

All three score from Scoresense
Message 3 of 7
Moderator Emeritus

Re: credit score

The scores you are getting are FAKOS, in sense they are for entertainment purposes only.  No lender uses those scores.  However in answering your question, you will have an initial drop in score due to Inquiry and AAoA but that will subside quickly and you will have a positive TL that will help your score grow.  What baddies do you have that are holding your score down?

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.
Message 4 of 7
New Member

Re: credit score

I have some 8 collections on my report 2 years old
Message 5 of 7
Highlighted
Moderator Emeritus

Re: credit score

Are you working on those?  Cleaning and rebuilding at the same time?

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.
Message 6 of 7
New Member

Re: credit score

Yes I'm
Message 7 of 7