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

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Member

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

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!
Message 1 of 6
5 REPLIES 5
Community Leader
Super Contributor

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

Fantastic job, keep up the great workSmiley Happy
Message 2 of 6
Frequent Contributor

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

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






RIP: EECU PLOC | BBVA PLOC | Chase SP | Chase Amazon | Chase Freedom | WF Propel | Cap1 QS |
Message 3 of 6
Senior Contributor

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

Congratulations on all of your progress!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 4 of 6
Valued Contributor

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

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.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 5 of 6
Member

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

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 🙂
Message 6 of 6
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