Established Contributor
MBOhio2
Posts: 946
Registered: ‎02-07-2011
Re: Getting to 620...

UPDATE:

 

For the one CC that was reporting a $15 balance, it's billing cycle closed on Feb 10th and, as of today, has already updated to $0 with EX (I have a subscription with Experian where I can pull update credit report data every day). In the past, I've found that EX is usually the quickest to update and TU and EQ always have a lag of a few days before they update. Fingers crossed that the $0 on all revolving accounts, except one, gets me a few points and that I get a SW alert in the next few days!!

Mid-2010 Starting Scores: FAKO EQ 476 FAKO EX 506 FICO TU98 575
Jan 2012 Current Scores: FICO EQ 604 FICO EX ??? TU98 623
Feb 2012 Goal Scores: EQ 620 EX 620 TR 620 (or just the middle to be 620!!)