Thank you guys so much!! So much has happened in 3 months!

[Anonymous]

I want to thank u guys for all the information on this forum. I started working on my credit in August. My fico was 697. Currently at 723.

Just credit card info. Leaving out loans.

August
Total credit available: 25,800
Total owed: 13,236
Credit card utilization 51%

Current
Total credit available: 48,000
Total owed: 9,011
Credit card utilization: 18.8%

The drastic increase was due to several credit limit increases and a couple new cards. Examples:

Ashley cc: before limit was 4K, current 7500
Lowe’s: before limit was 8500, current 12k!!
Best Buy: before limit was 1200, current 6500.
Care credit: before limit was 5500, current 8k.

Also another major improvement is that I have a venture one card with capital one that I use for everything. I put all my regular bills and spending on it and have paid everything in full these last few months. I have over 23k travel points accumulated.

So much has changed in 3 months and I can’t thank u guys enough!

[AverageJoesCredit]

Fantastic job, keep up the great work

[CramEiko]

Nicely done. MyFico has been a game changer. It's "making credit fun again". lol

[19eighty5]

Congratulations on all of your progress!

[xaximus]

Congrats on your journey so far. Couple things I would point out - as you bring your utilization down, you'll gain anywhere between 15-25 points as you hit the next threshold of 8.9%. Another thing - since you're putting your expenses on the Venture (IMHO, a decent travels card), I would look at other cards that will give you more "bang for your buck". Also, the Venture has an AF which is another negative. I would look into what other cards work for you. Just my 2 cents.

[Anonymous]

Thanks. I’m currently working on paying my balances down to bring that utilization down even further.

I actually have the Venture One card which does not have an annual fee. I’m not in the market for a new card right now, since I just got four in 2018 and am waiting for some hard inquiries to get knocked off. I am looking at maybe down the road getting a chase travel card though so want to keep the 5/24 in mind.

But right now I am in “the garden” and am happy with my progress so far 🙂