Established Contributor
jamie123
Posts: 902
Registered: ‎03-22-2012
Re: Fico Score did not improve after 7 month credit card activity

I really don't know what else to say. I totally understand where you are coming from and have lived my life as you do. I've had to change the way I spend my money to get my scores higher though. Paying cash or with a debit card means nothing to FICO. Having money in the bank means nothing to FICO. Paying cash for a car means nothing to FICO. I've been there and done that with low scores to show for it.

 

You want your scores to go higher by doing what you think is right. What FICO thinks is right is something else.

 

All I can say is FICO loves people with credit cards.

 

Good luck to you!



Starting Score: EQ 658 6/18/12
Current Score: EQ 697 10/26/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
Take the FICO Fitness Challenge