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Posts: 13,897
Registered: ‎04-15-2011
Re: Curious about one of the "negatives" on my FICO score.

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.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!