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so excited!

Frequent Contributor

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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Message 1 of 12
11 REPLIES
Established Contributor

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
Message 2 of 12
Frequent Contributor

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


Take the FICO Fitness Challenge
Message 3 of 12
Valued Contributor

Re: so excited!

I can see an easy 50 points or so but as always, YMMV.
Scores: about 700 across the board
Total CL: $275k
Message 4 of 12
Frequent Contributor

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


Take the FICO Fitness Challenge
Message 5 of 12
Valued Contributor

Re: so excited!

Wait until your util is under 10% before applying for another card.
Scores: about 700 across the board
Total CL: $275k
Message 6 of 12
Frequent Contributor

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


Take the FICO Fitness Challenge
Message 7 of 12
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 8 of 12
Frequent Contributor

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


Take the FICO Fitness Challenge
Message 9 of 12
Regular Contributor

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 674 TU 679 Ex 686 EX
Goal Score: For now: 640s


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Message 10 of 12