Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
Credit Score

 

I know its kinda off the topic since its credit card topic but i wonder :

  1. How many points your score went up each months ???? With 9% uti ?
  2. How many points its would increase for 6 months with perfect payment ?
  3. What the best possible way to get the max fico score increase ?

Thanks everyone.

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
creditnocash
Posts: 2,240
Registered: ‎07-23-2012
Re: Credit Score

this would be better answered in the understanding fico board... mods? 

 

and as for that there is no guaranteed number. 

if you buy your reports from myfico they have a fico simulator that you can use to guesstimate but thats about it. 

 

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
Re: Credit Score

it all depends on what your credit report looks like, if you have derogs etc. with my limited history I probably went up 3 points a month with good history PIF each month, with that being said if your report is clean just wait for it to age, if you have derogs work hard to keep them clean. My first premier 2x accounts were removed with 51 lates (falsified lates, I only stopped payment once... my scores went up about 100+ points in a single month so First Premier can suck my ITS letter (intention to sue) that was used to remove it =)

 

your utility should be 0-4% no higher for optimal utility.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758