@Anonymous wrote:
My scores have climbed steadily from around the upper 500's late 2014 to eq 685, tu 668, and ex 687 now. Great compared to where I was a year ago.
But I think I may have topped out until some of my baddies fall off completely in 2017. I have been at these scores for about 1 1/2 months.
In that time I have added about 15000 in cli through several cards, also had my report pulled at least once on all bureau's (twice on ex). And added 2 new accounts.
My util is around 15% total because of one last CO that I will pay once I have saved enough up to contact them and arrange a decent settlement. Maybe once that is paid and
i'm around 5% total util and I only let one card report a balance I'll know for sure if I'm capped.
Anyone have any thoughts. Really would love to get to 700 by the first of the year.
Based on a review of posted forum data and other info, you should be able to get to 720 over time on a dirty scorecard unless you have a bankruptcy holding you back.. You are not at a "bucket" ceiling with a score under 700 - IMO.
As others have said, your credit file is not stable and you are adding new credit that has a negative short term impact on upward score potential. Let things settle down for a few months and watch what happens.
P.S. You can get to scores above 720 (but probably not to 760) with tax liens in your credit file. [tax lien prevents top tier score?]
Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
