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In one month. I paid off about 4 to 5 negative accounts I defaulted on years ago so I have no more balances in debt. I still wanted to better my credit so I wanted to get more LOC that I knew I wasn't going to use.......
I have $2k on a NFCU CC, and I had a $500 navcheck. Well a few weeks ago I increased my navcheck to $2k and they actually approved it.... (I wish I asked for more maybe)..... That was a few weeks ago when I was 585, and that score was pulled soon as I paid all my balances in collections.
Well I updated my report and it's 660 now (experian) I'm beyond excited right now. The FICO score is the most accurate one right? I really want to see what my scores are straight across
Congrats!! Keep it going!! You are on your way now!!
Great job on paying down your debt. Congrats on the big score increase.
it
@ellefante wrote:(I wish I asked for more maybe)..... That was a few weeks ago when I was 585, and that score was pulled soon as I paid all my balances in collections.
Well I updated my report and it's 660 now (experian) I'm beyond excited right now. The FICO score is the most accurate one right? I really want to see what my scores are straight across
I really wouldn't ask for more with your score only being 585 at the point, now would be a different story, but 660 experian score or Fico score would be very different because
1. It's not the same bureau since you can't buy a Experian Fico score. Only ways are a) Become a member of PSECU credit union (PA residents only) b) apply for a mortgage loan c) apply for an Amex
2. Not to mention the credit reports could be missing a few things from bureau to bureau/