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Equifax Fico Just Hit 755

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Uncle_Money
Established Contributor

Equifax Fico Just Hit 755

 

Hey Gang,

 

I'm happy to report that my EQ score was bumped from 747 to 755 after my new Pentagon accounts reported. And by the way, they do, in fact, report overdraft as a line of credit. Between this and the new personal credit line I have with them, it's $5,500. My utilization is now 10%.

 

And now for the questions

 

My new Amex Blue cash ($4,000 CL) and CITI Diamond ($2,600) cards are yet to report on Equifax. Will this get me over 760 or will I get dinged? At this point, the new Pentagon accounts gave me 8 points. Between the next 2 accounts that will be reporting soon, it will be another $6,600 in available credit.

 

Next app will be for a mortgage but probably not in 2010. I'm looking at 2011 for that.

 

UM

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

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2 REPLIES 2
llecs
Moderator Emeritus

Re: Equifax Fico Just Hit 755

IMO, a slight ding. You are already taking a hit on the decreased AAoA and new credit (as seen in the chart). I bet you'll regain the points within 6-8 months and maybe surpass 760 if you eeeck the util even lower.

Message 2 of 3
cascade159
New Contributor

Re: Equifax Fico Just Hit 755

Congrats!

EQ: 680, TU 665, EX 615 (FAKO)
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