Sitting at 620, but I need 640 minimum for USDA

[newmomnewme]

All of my scores are 620 or above....the highest I've seen so far was myFICO 654, but that only lasted a day or two. 

I joined MyFico at the end of September, since then I paid off all but three baddies (one fell off, and I am fighting the other two).  I joined NFCU and added Target, Barclays MC, Cap1 Journey, and NFCU CashRewards, and a 5k personal loan to my CR.  Time to go to the garden now.  

I still need at least 640 to qualify for the USDA loan program....Util is over 50% now, NFCU cashRewards hasn't reported yet, so, if I make all of my payments on time and keep util below 9%, I should be good to go right??

[Anonymous]

You should get points as soon as your utilization is down. 

Yes, you should!

[newmomnewme]

Thanks Guiness56. I will be waiting in the garden....HOPING that no baddies appear out of thin air.  My mom asked me to help her with her credit....she started working with a debt "help" company. No bueno. So, I will work on her credit to feed my new found credit repair addiction. 

Thanks for your continued support of my efforts. Really.

[ezdriver]

That's a good addiction to have. You are to be commended.

[myjourney]

---

@Anonymous wrote:

You should get points as soon as your utilization is down. 

Yes, you should!

---

+1 

UTL is the key here especailly since you still have a TL that has not reported 

See you in the garden