I was finally able to pull my Equifax and TransUnion FICO score today via myFICO. I wasn't able to pull them until now because of my short credit history. I purchased my Equifax score only though. I know I have a few inquires on my TransUnion report and I’m not really interested in viewing the score now until they fall off.
I'm somewhat disappointed because I was expecting to have at least a 700 Equifax FICO score. I guess It’s not too bad being I just turned 19 in December, my credit history is short, and my utilization is about 30% which will be 0% by the beginning of February.
Are there any suggestions of what I can do to get my score up to 700? I can't wait until that day...thanks.
Starting Score: 665
@keith021 wrote:I was finally able to pull my Equifax and TransUnion FICO score today via myFICO. I wasn't able to pull them until now because of my short credit history. I purchased my Equifax score only though. I know I have a few inquires on my TransUnion report and I’m not really interested in viewing the score now until they fall off.
I'm somewhat disappointed because I was expecting to have at least a 700 Equifax FICO score. I guess It’s not too bad being I just turned 19 in December, my credit history is short, and my utilization is about 30% which will be 0% by the beginning of February.
Are there any suggestions of what I can do to get my score up to 700? I can't wait until that day...thanks.
It seems that paying down your credit card balances...which you are planning to do...will be your fastest way. Age will help as well...but not much you can do about that but be patient.
Congratulations on graduating to the point that you actually have a FICO!
Thanks, Lynette! I feel joyous and look forward to seeing your responses. You’re so positive and supportive! My holiday shopping is what caused my utilization to increase.
