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Need to break into the 700 score

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SCYD
Regular Contributor
‎03-19-2015 08:47 AM
‎03-19-2015 08:47 AM

Need to break into the 700 score

I've been hovering around the 692-699 score range for a while now.  Goes up and down.  I only have 1 card that has been reporting with a balance monthly at around 9%.

 

Should I lower the reporting amount to a lower percentage to get a boost in my score?

BK 7 DC'd 10/2010
Scores (03/17/16): EQ: 704 / TU: 725 / EX: 694 / Cap1 QS1: 6.5K / CU: 7.5K /
JC Penney: 10K/ Chevron: 4K / Target: 500 / Macy's 17.2K/ NFCU Sig. Visa Cash Reward:22K / NFCU Flagship 22K/NavChk:15K / NavChk:7.5K(joint)/WF Plat:15K / WF Propel Amex:5K/DIscover 10K/USAA Visa 14K/USAA Amex 14K/Nordstrom 10K/TJ MAxx 10K/BP Visa 6.5K
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masscredit
Valued Contributor
‎03-19-2015 08:58 AM
‎03-19-2015 08:58 AM

Re: Need to break into the 700 score

Won't hurt to try but I don't think you'll see 9 points from that on your EQ. My EQ04 hovered at 699 for awhile. It didn't go over until some baddies fell off and my AAoA increased. 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / SDFCU Secured - $4990 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
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