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New Member
Posts: 2
Registered: ‎08-04-2010
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Re: Take the FICO Fitness Challenge!

I have the following CCs with 0 balances, i try to keep the balance below 9% of the total credit limit on all cards. My goal is to raise my score above 750 and open up personal line of credit:


Shell Gas Card - $5000 - thru Citicard

Citicard - $2600 (open, August 2010)

Victoria Secret - $590, requested a credit limit increase must wait additional 2 mths

GAP - $300, requested a Credit limit increase, declined, wasn't informed that my credit would be pulled.

Pottery Barn - $3000k - approve credit increase to $4500 (Aug 2010)

Ann Taylor Loft $890, 1400 Credit limit



Chase One Pass CC - Under Review

Chevron FCU Credit CC - Under Review


August 2010 - Inquires



Chevron FCU (2)

AMex - Declined


Any ideas on what i can do to increase my score.



Starting Score: EQ: 616
Current Score EQ: EQ: 650 EQ: 670 9/10/10
Current Score TU: TU: 671 TU: 708 9/15/10
Goal Score: 750

Take the FICO Fitness Challenge
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: Take the FICO Fitness Challenge!

Welcome to the forums, rvalent2!


I'm moving your post to the FICO scoring forum.

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Moderator Emeritus
Posts: 17,409
Registered: ‎07-14-2009
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Re: Take the FICO Fitness Challenge!

[ Edited ]

Hello and welcome.


These are just my opinions and suggestions. They are not etched in stone.  Smiley Happy  You may get other suggestions and advice. Use what you think will work best for you in your situation.


What many people here do to maximize scoring is to only let one credit card report a small (< 9% of credit limit) balance on their monthly statement and then pay in full before the due date.  Let all your other cards always report a zero balance on their statements. That doesn't mean you can't use them. You need to use all of them from time to time to show activity but the key is to time your payments before the statements post so only one card shows a balance.


Have you pulled the free reports you can get at If not you need to do that and go over each of them carefully and see if there are any errors that need to be corrected. Just don't follow the links for scores; pull the reports only.


Do you have any negative items reporting? Late payments, charge offs, collections, etc.? Those can really drag down your score for a very long time.


How old is your credit length history and AAoA (Average Age of Accounts)? A short credit history can be a detriment to your score but often only time can help that.


I also would suggest not to apply for any more new credit for awhile and let everything age a bit.




From a BK years ago to:
EX - 9/09 pulled by lender 802
EQ - 7/06-663, 3/10-800
TU - 8/10-772
You can do the same thing with hard work



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