topic Re: Update on my scores in Understanding FICO® Scoring

Update on my scores

Anonymous — Wed, 05 Sep 2007 00:58:07 GMT

Aug 23rd: Transunion 583 Equifax 561 Experian 509 Sept 4th Transunion 652 Equifax 596 Experian 621 I went and applied for 4 store cards. Target $200. Walmart $500. Old Navy $200. Victoria's Secret $200. That and paying off my low balance cc, along with 2 deletions helped alot. I can't believe I jumped that much so quick. I won't use the store cards, because honestly, why put it on credit when I can just use cash.

Re: Update on my scores

John060675 — Wed, 05 Sep 2007 03:16:31 GMT

Great Job! One thing though.......read other posts about not using credit cards. They do not help your score as much as using them for a couple dollars each a month. Keep it 1% - 9% util. rate, and pay them on time. This will help your score a lot more than just putting them in the drawer.

Re: Update on my scores

Anonymous — Wed, 05 Sep 2007 14:08:05 GMT

@John060675 wrote:
Great Job! One thing though.......read other posts about not using credit cards. They do not help your score as much as using them for a couple dollars each a month. Keep it 1% - 9% util. rate, and pay them on time. This will help your score a lot more than just putting them in the drawer.

BUT- Do not have balances on more than 50% of your revolving accounts in the same month.

Re: Update on my scores

Anonymous — Wed, 05 Sep 2007 18:52:08 GMT

How did you get two deletions? Was there errors on your credit report?

Re: Update on my scores

Anonymous — Thu, 06 Sep 2007 00:20:16 GMT

Congrats

Update on my scores 9/11

Anonymous — Wed, 12 Sep 2007 01:01:08 GMT

Aug 23rd: Transunion 583 Equifax 561 Experian 509 Sept 4th: Transunion 652 Equifax 596 Experian 621 Sept 11th: Transunion 652 Equifax 618 Experian 636 I finally got into the 600 club. I know having too many inquiries counted against me, but getting the cards helped out alot. I honestly didn't think it was possible to raise them in such a short amount of time. I now have one cc with the 3k limit, 2 with a cl of $300-350 and 3 store cards cl's $200-$500 and surprisingly, a chevron gas card came in the mail, when I thought for sure that I was denied. $3oo. I'm hoping 700's in the next 6 months. I know it'll probably take longer to get to that bracket.

Re: Update on my scores 9/11

Tuscani — Wed, 12 Sep 2007 11:27:17 GMT

Nice!