topic Re: Any Input Appreciated in General Credit Topics

Any Input Appreciated

Anonymous — Thu, 30 Oct 2014 23:11:14 GMT

This is going to be a long message. So I appologize in advance. I recently helped my cousin get into credit and to my dismay he has a higher score than me. He has a loan, on which he hadn't even started making payments, that is four years old. My score is hindered by my AAoA which is 2 years 2 months with 12 New Accounts and the oldest account being 7 years 2 months. I have 8 inquiries with the first due to drop in January '15. Luckily I got a new student loan obviously without inquiry and a CC. I have a util that has never gone above 7% and have $35,000 in available credit. My question to you guys is if I have a 723 FICO and according to CK a 688 TU how long after gardening can I expect to see 750-800. Everything besides age and inquiries are immaculate on my profile. I just need to see my score higher than my cousin's because it's honestly hummiliating to me when I go on and on about the importance of credit and he is doing better than me. My last apps were two in March if that gives you an idea of where I'm at in terms of AAoA and Inqs. Thanks very much in advance for any advice or personal experience.

Re: Any Input Appreciated

Creditwiser — Thu, 30 Oct 2014 23:17:38 GMT

<-------- Head shaking side to side. Okay so forget all that humiliation and get your priority's in oder. NOW PLEASE.

You are doing just fine and scores will vary up some and down some thru out your life. Forget 800. I dont know when you'll get there but I do know that with an AAoA of 2years, it aint happening anytime soon. Then again it doesnt need to if only to satisfy your ego.

You obviously have learned a lot in a short time. Keep learning , keep paying your accounts on time , everytime, keep Utl low and your scores will follow. Once your accounts age and your AAoA climbs, so will your scores.

You are worrying about nonsense.

Re: Any Input Appreciated

Anonymous — Thu, 30 Oct 2014 23:35:37 GMT

@Jettech thanks for the words of wisdom. Ha! It's sadly almost as if it is solely for my ego. It isn't as if I'm looking to get a good interest rate on anything right now. So the score is just that. A score. However, it's excruciating to me to see this score repeatedly as I check my credit. Because of the knowledge I've gained through reading this site prior to being a member and users like you that offer their input, I feel like my score doesn't reflect any of it. Sure I have the perks lined up with all of my CCs but all I ultimately want now is that high score. Thanks!

Re: Any Input Appreciated

coldnmn — Thu, 30 Oct 2014 23:56:40 GMT

FYI double posts are frowned on!

Re: Any Input Appreciated

Anonymous — Thu, 30 Oct 2014 23:59:54 GMT

@Coldnmn Thanks. Just trying to get as many responses as I can get. Didn't think I'd get so many replies, honestly.

Re: Any Input Appreciated

Anonymous — Fri, 31 Oct 2014 00:01:43 GMT

@Coldnmn, how is that Ring card? I haven't seen too many details on the community based and profit sharing things.

Re: Any Input Appreciated

09Lexie — Fri, 31 Oct 2014 00:58:24 GMT

Locked- to redirect to similar thread.

http://ficoforums.myfico.com/t5/Credit-Cards/I-NEED-INPUT/m-p/3584221#M984723

In the future, duplicate threads will be removed or merged.

Lexie