I increased my credit score by 100 points in less than a year.

[Norby]

I set a goal on New Years to break 750 credit score and I finally did it!

I started out the year with a 650 credit score with four credit cards. Chase Freedom - $2,900, Capital One Platinum - $3,500, Best Buy - $1,000, and Amazon Store Card - $600. I had zero derrogatory marks, and 6 missed payments. (5, 2 30-day, 1 60-day, 1 90-day on a closed account 4 years ago, 1 30-day on the CapOne account I opened when I was 18) with credit utilization of about 74% and 2 hard inquiries.

I began to understand how the scoring worked, so I did all I could to lower my utilization. In late May, I was able to get it down to 20% and I applied for some new cards. The first was Chase Sapphire Preffered for $5000. Then I got a Barclaycard World Mastercard. Initiallly I was declined, but I called recon and got approved for $2,500 but I was able to talk the rep up to $3,500.  I also was instantly approved for CapOne QuickSilver for $1,000. This put my total credit limit to $17,500 from $8,000.

Since then, I've used my cards for everyday purchases and made payments multiple times a month to avoid paying interest. Since then, I got an auto credit limit increase from CapOne from 3,500 to 6,500 and Chase Sapphire Preferred from $5,000 to $7,000 putting me at $22,500.

I'm now sitting pretty with a score of 751. My next goal is to hit 775. I couldn't have done it without the help from these forums. 4 months in the garden and counting.

[CaptainAmerica]

Congrats and welcome to the forums! You should see a little bump in your score at the 6 month mark then another at the 1 year mark (assuming you stay in the garden). You'll be at 775 in no time

[nvangel08]

That is so awesome to hear! Congratulations! I started using my fico in March with a 610 score. After taking all the advice from these forums and doing what I can to pay down my debt, I am not at a 667. I did not think that the knowledge of how the scores work would work for me this quickly! In just 5 months my score has gone up more than 50 points! Thanks myFICO and all of those who participate in the forums!

[Anonymous]

I increased my TransUnion score by 199 points in one month. from 581 on 7/30 to 780 on 8/29

[coldnmn]

Congrats! Thanks for sharing.

[EW800]

congratulations!!   That is outstanding!  

[Glkslngr]

Congrats on your success! These forums have also helped me tremednously. I've learned how to handle credit much smarter!

[Anonymous]

Everyday im hustling lol .... congrats!

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@Norby wrote:

I set a goal on New Years to break 750 credit score and I finally did it!

I started out the year with a 650 credit score with four credit cards. Chase Freedom - $2,900, Capital One Platinum - $3,500, Best Buy - $1,000, and Amazon Store Card - $600. I had zero derrogatory marks, and 6 missed payments. (5, 2 30-day, 1 60-day, 1 90-day on a closed account 4 years ago, 1 30-day on the CapOne account I opened when I was 18) with credit utilization of about 74% and 2 hard inquiries.

I began to understand how the scoring worked, so I did all I could to lower my utilization. In late May, I was able to get it down to 20% and I applied for some new cards. The first was Chase Sapphire Preffered for $5000. Then I got a Barclaycard World Mastercard. Initiallly I was declined, but I called recon and got approved for $2,500 but I was able to talk the rep up to $3,500.  I also was instantly approved for CapOne QuickSilver for $1,000. This put my total credit limit to $17,500 from $8,000.

Since then, I've used my cards for everyday purchases and made payments multiple times a month to avoid paying interest. Since then, I got an auto credit limit increase from CapOne from 3,500 to 6,500 and Chase Sapphire Preferred from $5,000 to $7,000 putting me at $22,500.

I'm now sitting pretty with a score of 751. My next goal is to hit 775. I couldn't have done it without the help from these forums. 4 months in the garden and counting.

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[hawaii-girl]

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@Anonymous wrote:

I increased my TransUnion score by 199 points in one month. from 581 on 7/30 to 780 on 8/29

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OK, I'll bite. How did you do it?

[Anonymous]

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@hawaii-girl wrote:

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@Anonymous wrote:

I increased my TransUnion score by 199 points in one month. from 581 on 7/30 to 780 on 8/29

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OK, I'll bite. How did you do it?

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Two collection accounts fell off. FIrst one increased my score by 50 points then the last one fell off this past week and score jumped 149 points when that fell off.