Can't really say... I'm close to 700 and I still have 20 months till mine falls off. By the time it does I probably will see little gain... Due to the little effect that a 6+ year old BK 13 and IIB accounts will have on my score...
As it is right now I've been gaining 3-7 pts each month with then exception of TU who doesn't like my recent inquiries.
What are your scores now?
FICO8 current as of :
2-1-26 EQ:
713 TU:
702 EX:
705Hard INQs last 12 months: EQ:
1 | TU:
2 | EX:
1Verizon Visa
$8500 Amex Delta Gold
$10,000 Care Credit
$18,000NFCU CashRewards
$13,500 Apple Card
$7000 Best Buy
$8000 Amazon
$5000STCU auto loan (2026 Hyundai Palisade Hybrid)
6.24%HDFS motorcycle loan (2024 Harley Davidson Road Glide)
9.45%Total CL:
$70,000 --- Total CC UTI:
31% --- AAoA:
6.5 years --- Income:
$257kLast app:
1-31-26
