You are doing a PIF every month?  Is it reporting $0 balance every month?  Because FICO doesn't like that.  It likes to see a little balance on a card.  Less than 9% is usually the sweet spot.

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Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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