Credit Score Mentor

Trin · ‎08-13-2014

All,

I am looking for someone who can mentor me on how to increase my credit score and my credit worthiness. I have brought myself from the brink 3 times and now I want to ask someone to help me achieve an 800 FICO. The myFICO community is a great resource but I am looking for a one-on-one mentorship.

Regards,

Trinity

Starting Score: Equifax 499 (1/22/2020); TransUnion 525 (1/22/2020); Experian 523 (1/24/2020)
Current Score: Equifax 723 (11/30/2022); TransUnion 725 (11/30/2022); Experian 706 (11/30/2022)
Goal Score: 750

Take the myFICO Fitness Challenge

Closingracer99 · ‎08-13-2014

@Trin wrote:
All,

I am looking for someone who can mentor me on how to increase my credit score and my credit worthiness. I have brought myself from the brink 3 times and now I want to ask someone to help me achieve an 800 FICO. The myFICO community is a great resource but I am looking for a one-on-one mentorship.

Regards,

Trinity

Just make sure you keep apping to a min, Make sure util% is never above 30% and ideally around 1-9%. Should let 1 card report a Balance and the rest show as $0. Make sure you always pay in time. Also make sure you pay everything in time from bills to your rent and not just your credit cards

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

destine2grow · ‎08-13-2014

Lol reminds me of Apple one on one membership except it cost $99. That would be awesome if someone would be willing to mentor you! Good luck!

mongstradamus · ‎08-13-2014

@Closingracer99 wrote:
@Trin wrote:
All,

I am looking for someone who can mentor me on how to increase my credit score and my credit worthiness. I have brought myself from the brink 3 times and now I want to ask someone to help me achieve an 800 FICO. The myFICO community is a great resource but I am looking for a one-on-one mentorship.

Regards,

Trinity

Just make sure you keep apping to a min, Make sure util% is never above 30% and ideally around 1-9%. Should let 1 card report a Balance and the rest show as $0. Make sure you always pay in time. Also make sure you pay everything in time from bills to your rent and not just your credit cards

Also I would make sure to go through you credit report to make sure there isn't any baddies that could be holding your score down. If there are I would try to address those first.

EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16

elim · ‎08-13-2014

read, read, read and... read

Closingracer99 · ‎08-13-2014

I would help but I wouldn't call myself an expert. If you don't mind that I would be glad to help with what i know

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

Trin · ‎08-13-2014

Has anyone on the board worked with someone to improve the FICO?

Starting Score: Equifax 499 (1/22/2020); TransUnion 525 (1/22/2020); Experian 523 (1/24/2020)
Current Score: Equifax 723 (11/30/2022); TransUnion 725 (11/30/2022); Experian 706 (11/30/2022)
Goal Score: 750

Take the myFICO Fitness Challenge

Closingracer99 · ‎08-13-2014

@Trin wrote:
Has anyone on the board worked with someone to improve the FICO?

I haven't but just reading it helps a lot

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

AvadaKedavra · ‎08-13-2014

The amount of knolwedge on these forums can help you greatly. My scores has gone up 100 points since joining. If you have speicific questions, search the forums for an answer. If you can't find an answer, ask. You'll get a lot of feedback and great advice.

Middleswarth · ‎08-13-2014

IMO, this is something you have to do yourself. No one can teach you discipline and self control.

All the tools you need you already have. Get credit you can afford and pay your bills. It really is that simple. After you do this for a couple years then you can get advice on how to maximize your scores.