Experian fico score version 2

[nyripon]

My Experian fico 8 score is 706, but fico 2 is only 619 which needs to increase by 1 within a couple of days to meet minimum requirement of 620.  Any tricks, advice will be greatly appreciated 

[AllZero]

A quick fix is to optimize your reported utilization if on the high side. Where do you stand with reported individual and aggregate utilization %?

[nyripon]

Utilization is 10%. I have a bunch of hard inquiries, I wish there was a way to delete some of them quickly. 

[M_Smart007]

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@nyripon wrote:

My Experian fico 8 score is 706, but fico 2 is only 619 which needs to increase by 1 within a couple of days to meeting minimum requirement of 620.  Any tricks, advice will be greatly appreciated 

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Hope you can glean something here;

https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/General-Scoring-Primer-and-Version-8-Mas...

[AllZero]

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@nyripon wrote:

Utilization is 10%. I have a bunch of hard inquiries, I wish there was a way to delete some of them quickly. 

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Look into AZEO Technique. All Zero Except One card reporting a small balance e.g. $5-$10. Use a bank card. Do not use a store card. You want individual at 29% or under and aggregate at 9% or under.

[M_Smart007]

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@AllZero wrote:

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@nyripon wrote:

Utilization is 10%. I have a bunch of hard inquiries, I wish there was a way to delete some of them quickly. 

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Look into AZEO Technique. All Zero Except One card reporting a small balance e.g. $5-$10. Use a bank card. Do not use a store card. You want individual at 29% or under and aggregate at 9% or under.

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For your reading pleasure

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ABCD2199-s-Eleven-Rules-to-Credit-Rebuilding...

[AllZero]

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@M_Smart007 wrote:

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@AllZero wrote:

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@nyripon wrote:

Utilization is 10%. I have a bunch of hard inquiries, I wish there was a way to delete some of them quickly. 

---

Look into AZEO Technique. All Zero Except One card reporting a small balance e.g. $5-$10. Use a bank card. Do not use a store card. You want individual at 29% or under and aggregate at 9% or under.

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For your reading pleasure

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ABCD2199-s-Eleven-Rules-to-Credit-Rebuilding...

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I like it. Build up them macros.

[nyripon]

Thanks guys

[M_Smart007]

@nyripon, You are Welcome