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From 558 to 696 in 11 months - How do I break 700+?

GeePee
Regular Contributor

Re: From 558 to 696 in 11 months - How do I break 700+?

Vantage is whacked out right now; my FAKO's on CK are 30 & 42 points lower than my actual FICO scores here. I've seen it go the opposite direction as well.

I'll agree with everyone else here that mentioned reducing your uti.

A few months ago, I went from 35% to 4% using the AZEO method, and pulled my scores from 650-ish to high 680's.


@rayy166 wrote:



It takes time. Pay your bills on time. No more apps and let things grow. Thats a lot in 11 months and all those new accounts and inq's need to age. Once time passes your scores will rise. More acounts wont help. FICO doesnt look at how hight your overall credit lines are. Dont be late, pay on time, and see the results in a year. Below in my sig is for rebuilders to see what can be done in 3 yrs. Not to brag. Good Luck!

Are these Fako or FICO scores? Get your EX FICO for free at Discover Scorecard.

Mhm, according to the discover score card, my Fico Score is 754, length of credit is 4 years, with 17% utilization.

Thats unexpected. How is this even possible? Credit Karma states something completly different, and so does Chase VantageScore

 

 

 Fortunately you have 10 accounts. I'd hold off on apping for a while.

Holding off, Got it. Ill check if Kay Jeweler is SP or HP.

 

 

.

 

 

 

 


 

Amazon Prime Card 5000
AMEX Green NSPL
AMEX 1000
AMEX Hilton Honors Ascend 3000
PayPal Credit 4500
BBVA Compass CP 5900
CheapoAir Visa 2500
Care Credit 15000
Discover IT CashBack 13,000
NFCU Cash Rewards 9000
NFCU Platinum 10,000
Cap1 Quicksilver 1100
VS VIP Card 2350
Kohl's Charge 3000
SamsClub 8000
NFCU Auto Loan 22k.
Starting Score 5/2017: 526
Current Score: 704
Goal Score: 780


Take the myFICO Fitness Challenge
Message 11 of 23
rayy166
Established Member

Re: From 558 to 696 in 11 months - How do I break 700+?

Congrats on your score increase. I will propably do that

Im excited to see how high I can go.

Message 12 of 23
Harmony12
Frequent Contributor

Re: From 558 to 696 in 11 months - How do I break 700+?

rayy166,

 

As long as it's a soft pull then you can ask as many times and on as many cards that you want. Check the forums to be sure it's a soft pull because it may vary depending on the ask. (i.e. phone vs web vs chat vs online vs human on phone)

Starting CK FAKOS 6/28/2018
TU 503
EQ 498
Discover EX 537

FICO 8
7/7/18 11/11/20
EQ 557 711
TU 566 701
EX 514 702

Mortgage Scores FICO 5,4,2
7/7/18 11/11/20
EQ 494 676
TU 480 704
EX 479 688

Goal Score 720
Message 13 of 23
rayy166
Established Member

Re: From 558 to 696 in 11 months - How do I break 700+?

I guess what I am trying to ask is, since my score is higher than expected, would it be smart to ask for CLI increase even if its a HP?

I mean that would inrease my credit limit and decrease my utilization, if approved. Would a hardpull in my situation, with my score be a dumb decision?

Message 14 of 23
rayy166
Established Member

Re: From 558 to 696 in 11 months - How do I break 700+?


@Harmony12 wrote:

rayy166,

 

As long as it's a soft pull then you can ask as many times and on as many cards that you want. Check the forums to be sure it's a soft pull because it may vary depending on the ask. (i.e. phone vs web vs chat vs online vs human on phone)



I guess what I am trying to ask is, since my score is higher than expected, would it be smart to ask for CLI increase even if its a HP?

I mean that would inrease my credit limit and decrease my utilization, if approved. Would a hardpull in my situation, with my score be a dumb decision?

Message 15 of 23
FiresOut
Super Contributor

Re: From 558 to 696 in 11 months - How do I break 700+?

Awesome on the great score. If you could list your cards. Then we can help you get some CLI luv. Do any of the cards have a free FICO score? You may have a FICO TU score on one of them and dont know it. Like a Disco card. CK, Creditwise, and all these other services are good for only watching your reports and no funny business happens. Vantage scores mean nothing.

 

Hold off on HP CLI's until we can see what you can get with a SP first.

Message 16 of 23
BrandonLane
Established Contributor

Re: From 558 to 696 in 11 months - How do I break 700+?

I wouldn’t take a HP for a CLI on a store card. But that’s just me. Go the old fashion way and pay down your balances.
Started 6/6/2018 EX - 588 ; EQ - 667 ; TU 575

Updated 12/2018


Message 17 of 23
FiresOut
Super Contributor

Re: From 558 to 696 in 11 months - How do I break 700+?

Let me add. Getting SP CLI's on the cards that have the higer util%'s will do you more good than the other cards. CLI's on other cards will help your overall util which is scored by FICO. Known as aggregate util. Like individual cards 8.99% or less is best with Aggregate util too.

Message 18 of 23
rayy166
Established Member

Re: From 558 to 696 in 11 months - How do I break 700+?

I will be more than happy to provide that info:

Thank you, I am suprised myself!!

 

Here are all my cards:

Regular CC's

Discover It  800$/4000$ (Recent CLI from 2500$)

Barclays Apple Rewards 0/2000$ 

Chase Slate 0/2000$

 

Store Cards *Face Palm*

Macys 770/2500$ (recent CLI from 1500$)

Military Star Card 0$/2400$ 

BestBuy 720/1000$ 

Kay Jeweler 0/300$ ( Just found out they do SP, will be going into store this week sometime)

 

Dicks Sporting Goods 0/5000$ ( Just got CLI from 800$)

 

I was in a bad spot most of 2017 - 2018, I opened alot of department store cards, which was a stupid idea, but it cant be changed now.

 

As far as FICO scores go; dicks and discover have it for sure! I did just buy the myFICO packet for 39.95 a month.


@FiresOut wrote:

Awesome on the great score. If you could list your cards. Then we can help you get some CLI luv. Do any of the cards have a free FICO score? You may have a FICO TU score on one of them and dont know it. Like a Disco card. CK, Creditwise, and all these other services are good for only watching your reports and no funny business happens. Vantage scores mean nothing.

 

Hold off on HP CLI's until we can see what you can get with a SP first.


 

Message 19 of 23
rayy166
Established Member

Re: From 558 to 696 in 11 months - How do I break 700+?

Current cards:

 

Military Star Card $0/1800

Macys $740/2500

Best Buy $721/1000

Kay Jeweler $0/300

Dicks Sporting good $0/5000



I know, way too many store cards.

 

Chase Slate $0/2000

Barclays Rewards $0/2000

Discover $800/4000

Message 20 of 23
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