740 TU

[juniornj23]

So i want to keep my app spree i just got update my TU CS is 740 wao 740 2 years ago was like 590 jaja

[Anonymous]

Congrats on the TU score!

[Anonymous]

Looking at your line up you have some pretty good cards so far...what are you missing that you want and check credit pulls

I got played hard on the Citi Costco...they pulled my lowest score at 673 or 678,,the others crossed 700...I thought I learned a lesson...unfroze TU apped for Sams MC..and ended up with a SC with a $837 limit lmao

[juniornj23]

Thank you i have to fix that line up and add 4 more card with 30k in credit . If you take easy and garden pay your bill on time and UTL goes down you get better chance of any credit card

[CatOfSpades]

Credit Sesame? They use Vantage Score. Your actual Fico is lower than that, but congratulations on the good work you've done! 

On a random note: I'm OCD and your signature is literally driving me crazy. I wish I could reach through the screen and fix it.

[juniornj23]

Is a fico 8

[Anonymous]

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@juniornj23 wrote:
Thank you i have to fix that line up and add 4 more card with 30k in credit . If you take easy and garden pay your bill on time and UTL goes down you get better chance of any credit card

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I'm good there...my utl is at 5% with my AU accounts about 9% with my own accounts factored in (myfico seems to only factor main accounts not AU)...My payments have been on time for the last 7 years...my last lates were all student loans which have since been consolidated into two accounts instead of 22..Sync is weird I wonder do they have a threshold. My TU they pulled is finally reporting clean with the exceptions of those older lates

Edit: I reconned that $837 and went to $2k btw

[RonM21]

Nice improvement to your scores!