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