I joined this forum after Christmas to get my credit under control if I seriously wanted to buy a house this year. I've worked a lot of overtime and cut out most of my spending. Apart from one hunting trip, I haven't had much fun the last three months. It paid off yesterday. One of my zero balances reported to Experian which caused it to go up 20 points to 748. All of my scores are over 740 now, the goal I set when I joined. Thank you all for the tips and strategies to build better credit.
Starting 12/27/16 FICO Score 8 EQ 645 TU 643 EX 618 Current 6/27/17 FICO Score 8 EQ 797 TU 804 EX 782
Goal 740+ ACHIEVED 4/5/17 FICO Score 8 EQ 776 TU 762 EX 748
