Just check my score today being that it's April 1st, so... last month I was at 684.
As of today, I am now 741! All my debit is paid off!
I am so happy guys, feels really good.
Any suggestions on what I should do now... should I app for a card, if so which?
Only thing I have now is a Best Buy Card where I am only a authorized user - CL $1200
Care Credit Card - CL of $2100
And a crappy Visa Access Card (Orchard?) with CL of $300 LoL
I was thinking either.. Capitol 1 Card (they're always sending me letter in the mail to apply)
or.. American Express Zync? Maybe a Discover MORE Card (they mail me all the time to)
Not sure what to do... I'm just so happy 
@Splurge wrote:Just check my score today being that it's April 1st, so... last month I was at 684.
As of today, I am now 741! All my debit is paid off!
I am so happy guys, feels really good.
Any suggestions on what I should do now... should I app for a card, if so which?
Only thing I have now is a Best Buy Card where I am only a authorized user - CL $1200
Care Credit Card - CL of $2100
And a crappy Visa Access Card (Orchard?) with CL of $300 LoL
I was thinking either.. Capitol 1 Card (they're always sending me letter in the mail to apply)
or.. American Express Zync? Maybe a Discover MORE Card (they mail me all the time to)
Not sure what to do... I'm just so happy
That's fantastic news!!!
But even better news is that your debt is paid off.
From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782
"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".
Congratulation Splurge 
Splurge,
How long did it take you to reach the 741? I see that your starting score was 594.
So you have no loans at all?
Do you have any late payments and/or are they old?
Collections even though PIF?
01-30-2011 is when I registered at myFICO, my score was 594.
So it took me 2 months to make it to 741.
No late payments, AAoA is 2 years. No loans out.
Everything I currently have is PIF.
Only reason why in January my score was 594 because I put my Lasik Eye surgery on my credit card, made my util like 80% lol
Then paid it off completely. My other cards carry a zero balance.
Just applied for American Express Zync and got approved!
I have made the 700+ club and joined the American Epress family all in 1 day!
Thank you all for the wonderful tips you guys gave me back in Jan, was well worth it.
Good for you !!!!
WE all on here aspire to get there someday.
Your EX must also be good. I think AMEX checks EX. Do you know if they have manual reviews?
That is awesome!!
