Thanks myFICO for all the advice, EQ FICO score is way up

crunching_numbers — Wed, 23 May 2012 22:49:43 GMT

I arrived at the myFICO site thinking I understood how credit worked. Boy, was I wrong about that!

On 2/29 I signed up for SW. I had an EQ FICO of 679.

I read lots of threads and asked for advice. I ended up doing the following things:

-took myself off of DH's cards as an AU. (high balances- hurting my util)

-asked for CLI on my existing cards where possible. (got several)

-got 3 new 0% BT cards, and moved alot of my debt to 0% while I pay it down. (also helped util%)

-got a Walmart card for the FICO (helped util% as well)

-changed my AMEX Blue to a BCP (better rewards, cash back- saving money on groceries-6%)

-rearranged my spending to take advantage of the rewards programs that we had on our cards (saving money- more money to pay down the debt)

-got a Hyatt CC (a no ForEx card with chip, 2 free Hyatt nights- a good deal, with my highest CL of $16.4K -helped my util % too)

Today the Hyatt hit my EQ report with its extra CL. I now (5/24) have an EQ FICO of 724. That is a 45 point jump in 3 months.

Thanks myFICO friends for helping me come so far in 3 months! You guys are the best. I couldn't have done this without you.

Re: Thanks myFICO for all the advice, EQ FICO score is way up

llecs — Wed, 23 May 2012 23:28:31 GMT

Congrats!

Anonymous — Thu, 24 May 2012 00:47:40 GMT

Good news but you did all the hard work.