30+ point jump in just 3 weeks! Yay! ...and a question
11-15-2012 07:21 PM
So, I had a 584 to start and now just got a score watch alert that I am at 618! What changed is that I got my ex's charged off Discover off of my CR (was never an AU or anything...not sure why it was there) and applied for an got a NFCU Cash Rewards CC with a $5k credit line. One thing I'm curious about though is that it doesn't look like NFCU reported my limit. Is that just because it's the first time they have posted it? Would it be better if they put the credit limit, esp since it's fairly high? How else would they calculate your ratio?
Next step to start working on the collections...
Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board
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