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Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

so excited!

My score went from 602 to 630 on eq! It's at 634 with ex! No changes yet on tu! For all those reason I started with an ex score of 388 in Feb 2012. I didn't gw or pfd. I settled for 25% on my total debt and just played the waiting game. Oh and I still have high utli on my Cc. Over 100% going to bring it down to zero! Any guess on how much my scores will increase?
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

Re: so excited!

congrats, but PFD always better.

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

Re: so excited!

=p I know but I didn't back then =(.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Valued Contributor
Posts: 1,522
Registered: ‎08-30-2012
0

Re: so excited!

I can see an easy 50 points or so but as always, YMMV.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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My Journey
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

Re: so excited!

Thank you =)! I'm tempted to apply to a new cc but don't know where to begin =\
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Valued Contributor
Posts: 1,522
Registered: ‎08-30-2012
0

Re: so excited!

Wait until your util is under 10% before applying for another card.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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My Journey
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
0

Re: so excited!

So mid december =). Which card do you recommend? That's easy to get and worth having
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: so excited!

Congrats! You will definitely see a nice jump again with the util lowered.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Frequent Contributor
Posts: 257
Registered: ‎04-03-2012
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Re: so excited!

Thank you epcot! By the way Epcot is my favorite park at Disney world. <3
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Regular Contributor
Posts: 230
Registered: ‎09-22-2012
0

Re: so excited!

I'm guessing once util is down under 10%, you will be sitting 650-665. I would say wait to app until the reports are all reflecting the lower util for a month or two. Then app to Capital One. I know a lot of folks like Chase, Discover, etc. But I see a much higher success rate in the mid 600 range with Capital one. It kinda seems like you need a 700 for the big guns, but that might just be me. Best of luck, and good job! 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


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