Credit Score was 525 10/2018 and 613 as of 2/9/2018 HELP ME GROW THIS SCORE!

[Anonymous]

I am so glad I found this forum. I had a terrible credit score months ago due to ongoing student loans and a couple accounts I had never opened in the past which have been disputed and raised my score a bit. I currently have the Capital One Platinum card approved with a cl of $300 which then last month I got a CLI of $100 and March 15th will be at $500. All of my payments are on time if not before time, and I also have the CO QuicksilverOne card with a cl of $300. Ulta Comentity $250, and Fingerhut $600. I do not use the Fingerhut I have it to increase my credit only which has worked wonders. After obsessing through these forums and speaking with one of my friends they were recently approved with the Barclays Apple Rewards card and had a way lower score than I did. I decided to give it a go and apply as well. What a mistake that was because it pulled a hard inquiry and my score IMMEDIATELY went down to 589(TransUnion) 571(Equifax)588(Experian). I am devastated I have been working so hard to build my credit. Any suggestions from you all on things I could do or cards I should apply for to increase my credit? I am open to suggestions I am eager to learn and grow from this. 

Capital One Platinum $400 ($500 CLI March 2018)

Capital One QuicksilverOne $300

Ulta Comentity $250

Fingerhut $600

2018 Transunion 589- Equifax 571- FICO 588

[Anonymous]

Where are you getting your scores?

[Anonymous]

>>Credit Score was 525 10/2018<<

Clearly the OP is living in the future.

[Anonymous]

My mistake I obviously meant 2017.

[Anonymous]

creditkarma.com

creditsesame.com

capitalone creditwise app

experian.com

[Anonymous]

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wrote:

creditkarma.com

creditsesame.com

capitalone creditwise app

experian.com

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Those are not Fico scores, ignore them. You need to pull your Fico scores.

[Anonymous]

Ok, so you mean to tell me that I paid experian.com and they gave me 3 scores including my FICO score. That's bogus? Where should I check then...

[Anonymous]

Please read the following link as I have referred a lot of our friends to do... MAJOR THANKS to ABCD.... http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ABCD2199-s-Eleven-Rules-to-Credit-Rebuilding/...

Also here is a link to help you keep track of dates needed for CLI such as 6 months for Cap one https://www.timeanddate.com/date/dateadded.html?m1=01&d1=08&y1=2013&type=add&ay=&am=&aw=&ad=61

Congratulations to you for not keeping your head in the sand and learning/inquiring// asking for help to help yourself along your credit journey.

[Anonymous]

Be careful with the CreditKarma activity.  They refresh your score every 7 days and they do a SP each and every time you sign in.

Since there are 52 weeks in a year, that would be 52 SPs on your credit record just from them.

[Anonymous]

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wrote:

Be careful with the CreditKarma activity.  They refresh your score every 7 days and they do a SP each and every time you sign in.

Since there are 52 weeks in a year, that would be 52 SPs on your credit record just from them.

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Who cares? It doesn’t affect your credit and no one but you see it. It’s a non factor. The factor is understanding it’s not a FICO score. So scores are educational in nature. Every company that you get a score from results in a soft pull when they update. Again soft pulls don’t matter at all.