Score went up 51 points today from a Barclay charge off that was killing my utilization. I am now 18 points away from 700 with Experian but TU and EQ have not update yet and they are higher than EX so I might be in the 700s with them.
Data:
2 paid charge offs Barclay and JCP (late accounts)
0 collections
4 late accounts 2 drop off next year all over 120 lates
AAoA 3.5
Total credit is around 7k
My credit has never been this high in my life so don’t give up
Data:
2 paid charge offs Barclay and JCP (late accounts)
0 collections
4 late accounts 2 drop off next year all over 120 lates
AAoA 3.5
Total credit is around 7k
My credit has never been this high in my life so don’t give up
Congratulations on your credit progress!
Thanks everyone and yes it does feels really good. It takes time, patience, and constituency...time to get my house in 7 months now 🙌🏽
Congrats on the points increase and a decent one at that.
Tell me about it! My score was at 713 (highest it's ever been) and I've been doing ok at keeping track of the statement dates and when they post to my report. I let a credit card post a reallllyyy high balance and it kicked my utilization from 13% to 20%. My score dropped 15 points!! It's literally the only thing that changed, so I know it's from the utilization. Just goes to show how very important using your cards responsibly is. I've already paid the card off, but will have to wait till next month because it just posted to my reports last week. It's ok, though; I'm not trying to apply for anything any time soon.
Not sure why my EQ only went up 9 points...from 647 to 656 but TU went up 32 points and EX went up 51 points.