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Finally broke into the 670+ range! Yay!!

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Vu
Frequent Contributor

Finally broke into the 670+ range! Yay!!

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So for those that are trying.  Don't give up.  My score would have been a bit higher had I not applied for a bunch of useless store cards...



Message 1 of 14
13 REPLIES 13
calyx
Super Contributor

Re: Finally broke into the 670+ range! Yay!!

Congrats on your progress - you're awesome! Smiley Happy

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 2 of 14
Anonymous
Not applicable

Re: Finally broke into the 670+ range! Yay!!

Congrats on your success! Im still in the mid 500's myself but up from where I started. One thing rebuilding my credit has taught me is patience. Lots of patience!
Message 3 of 14
Vu
Frequent Contributor

Re: Finally broke into the 670+ range! Yay!!


@Anonymous wrote:
Congrats on your success! Im still in the mid 500's myself but up from where I started. One thing rebuilding my credit has taught me is patience. Lots of patience!

Yes, sir.  One piece of advice I can give to anyone who is rebuilding does not apply for useless cards just because you can.  Stick with the 3 cards + 1 installment rule (like SSL paid down to 8%), and just garden.  My score would have been a bit higher had not for crazy inquiries and AAoA took the beating.



Message 4 of 14
Brian_Earl_Spilner
Credit Mentor

Re: Finally broke into the 670+ range! Yay!!


@Vu wrote:

@Anonymous wrote:
Congrats on your success! Im still in the mid 500's myself but up from where I started. One thing rebuilding my credit has taught me is patience. Lots of patience!

Yes, sir.  One piece of advice I can give to anyone who is rebuilding does not apply for useless cards just because you can.  Stick with the 3 cards + 1 installment rule (like SSL paid down to 8%), and just garden.  My score would have been a bit higher had not for crazy inquiries and AAoA took the beating.


😂 Ain't this the truth. I shouldn't have applied for all my cards just because I could get approved. Should have done 1 every 6 months. Ah well, what can you do but wait.

    
Message 5 of 14
Vu
Frequent Contributor

Re: Finally broke into the 670+ range! Yay!!

The temptation can be hard to resist lol. When I saw the score went up.  I was like: Let me see if I can get this one. Lol.  And when I got one approved.  It's like shark got the taste of blood.  I got a bunch of useless store cards and credit cards and ended up canceling them all except two (Amazon for 5% cashback and Lowe's), and trimmed all the major credit cards down to 3 cards as well.  



Message 6 of 14
gdale6
Moderator Emeritus

Re: Finally broke into the 670+ range! Yay!!

Sweet, grats to all the hard work Smiley Happy
Message 7 of 14
Anonymous
Not applicable

Re: Finally broke into the 670+ range! Yay!!

Fantastic job!!!! I've certainly been learning patience. My 3B updates tomorrow, and I'm very anxious....but I wont be applying for anythingSmiley Wink

Message 8 of 14
Hockeypnc1
Established Contributor

Re: Finally broke into the 670+ range! Yay!!

I'm stuck at 665 TU, 660 EQ, and 652 for Experian.

 

Not much movement at all. 

 

Message 9 of 14
Hockeypnc1
Established Contributor

Re: Finally broke into the 670+ range! Yay!!

Store cards help. They add to your overall available credit.

Message 10 of 14
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