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Trying to increase my score by 10 points over the next 30 days

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Jamielei24
Contributor
‎03-07-2014 12:53 PM
‎03-07-2014 12:53 PM

Re: Trying to increase my score by 10 points over the next 30 days

would you be a to have a sp CLI on your card with 7% utilization? I may be reaching here... But I recently went on a CLI on sp cards only to decrease my overall utilization. Went from 41% to 28%. I too will be mortage shopping soon and didnt want any hp inquiries on my report. Just a thought? 

 

Equifax 720 (myfico 06/09/14 upgraded)
TU 730 (myfico 06/06/14), TU 730 (Walmart 06/03/14)
Experian 727 (myfico 06/06/14), Experian 712 (PLUS) 06/06/14

NFCU Flagship $17,500, Chase Slate $7,500, Citibank Simplicity $2,400, Capitol One QS $3,750, Walmart $3,000, Old Navy Store Card $3,000, Amazon Store Card $2,000, Target Red Card $1,000, Victoria Secret $1,070, Red Canoe Credit Union (my personal CCU) $2,000
Message 21 of 25
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topa
Regular Contributor
‎03-30-2014 12:09 PM
‎03-30-2014 12:09 PM

Re: Trying to increase my score by 10 points over the next 30 days

Can we get an update here?
Starting Score: 600 (Jan 2014)
Current MyFICO Scores: EQ: 712 | TU: 706 | EX: 702
Current Bureau Scores: EQ Beacon 5.0: 682 | TU FICO Classic 04: 740 | EX FICO V2: 706
Goal Score: 750

Take the myFICO Fitness Challenge
Message 22 of 25
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shanao621
Regular Contributor
‎03-30-2014 01:05 PM
‎03-30-2014 01:05 PM

Re: Trying to increase my score by 10 points over the next 30 days

@topa wrote:
Can we get an update here?

Sure! I was able to get my scores close to where they needed to be but never was able to get it to 700 across the board. Thankfully the bank felt my application was rock solid so they asked for a waiver from the PI company on the credit score and they accepted it. So we were able to get our mortgage approval and we will be closing in about 10 days!!! 

Starting Score: FICO TU 503 FICO EX 470 FICO EQ 498
Current Score: FICO TU 705 EX 698 FICO EQ 692
Goal Score: 700 Club

Take the myFICO Fitness Challenge
Message 23 of 25
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Jamielei24
Contributor
‎03-31-2014 08:28 AM
‎03-31-2014 08:28 AM

Re: Trying to increase my score by 10 points over the next 30 days

Very exciting!! Congrats!

Equifax 720 (myfico 06/09/14 upgraded)
TU 730 (myfico 06/06/14), TU 730 (Walmart 06/03/14)
Experian 727 (myfico 06/06/14), Experian 712 (PLUS) 06/06/14

NFCU Flagship $17,500, Chase Slate $7,500, Citibank Simplicity $2,400, Capitol One QS $3,750, Walmart $3,000, Old Navy Store Card $3,000, Amazon Store Card $2,000, Target Red Card $1,000, Victoria Secret $1,070, Red Canoe Credit Union (my personal CCU) $2,000
Message 24 of 25
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Anonymous
Not applicable
‎03-30-2015 06:53 AM
‎03-30-2015 06:53 AM

Re: Trying to increase my score by 10 points over the next 30 days

AWESOME!!!

 

One thing I have learned is the Mortgage Fico score you can get here is almost dead on with what the mortgage company will give you.

Message 25 of 25
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