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Woohoo! Finally over 740 with All 3 CRA and over 100K Total CL!

aynot4fitness
New Contributor

Woohoo! Finally over 740 with All 3 CRA and over 100K Total CL!

Experian was the last holdout, but this morning I saw that my FICO jumped from 736 to 743. Time to set my next goal! I'm thinking some time in the garden might be the smart thing to do now since I'm carrying 10 inquires & all are < 1 year old. My total credit card utilization is at 9%. You folks have helped me get this far, so I'm open to recommendations for my next credit goal.

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Shooting-For-800
Senior Contributor

Re: Woohoo! Finally over 740 with All 3 CRA and over 100K Total CL!

AWESOME!

 

Congrats!

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2022.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!


Message 2 of 5
fantic
Regular Contributor

Re: Woohoo! Finally over 740 with All 3 CRA and over 100K Total CL!

grats, hoping to make it too, likewise Experian score is the lowest(also WAY more inquires lol). 

Dunno but you seem to have everything, including travel card(VO). Airline? Hotel? If you wanna travel and use specific ones..or CSP as general travel card, to have synergy with CFU(which also has nice sub going on right now but too early I guess? re: inquires)

Apr/21 CO Plat. SC(500->700), Aug; CITI DC(1000->1500), Sep; CFF(500), Oct; Amazon store card(2100->4000), CITI Best Buy store card(2000), Nov; Tomo(2000->3000), Jan/22; CO SO(2000), Feb/22; Disco It CB(3000)
Next cards; travel card(Delta Gold?), CITI CC? Credit Union card(PenFed?)
FICO8 EX 717 EQ 731 TU 735 util 2%(of 16700)
AAoA 8m AoOA 1y2m AoYA 4m Cards 2/6 7/12 8/24 Inq EX 10/6 24/12 EQ 1/6 3/12 TU 3/6 5/12
Message 3 of 5
aynot4fitness
New Contributor

Re: Woohoo! Finally over 740 with All 3 CRA and over 100K Total CL!

Yeah, Experian seems to be my consistent anchor since they get the most inqs. I will be traveling more now that conditions have changed, but I am not loyal to any hotel or airline, so the VO and CFU meet my needs so far. I'd considered applying for CSP,  but figured I'd get declined by inq count and Chase's 5/24 rule (I'm 6/24 now) if I apply before Dec. Plus applying would add another inq for a decline Smiley Mad. In Dec I'll drop to 7 inqs and will be 3/24 so much better chances then. Thanks for the suggestions.

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Message 4 of 5
fantic
Regular Contributor

Re: Woohoo! Finally over 740 with All 3 CRA and over 100K Total CL!

3/24..looks SO far for me lol(why did I apply and add cards in haste 😭 ). GL!

Apr/21 CO Plat. SC(500->700), Aug; CITI DC(1000->1500), Sep; CFF(500), Oct; Amazon store card(2100->4000), CITI Best Buy store card(2000), Nov; Tomo(2000->3000), Jan/22; CO SO(2000), Feb/22; Disco It CB(3000)
Next cards; travel card(Delta Gold?), CITI CC? Credit Union card(PenFed?)
FICO8 EX 717 EQ 731 TU 735 util 2%(of 16700)
AAoA 8m AoOA 1y2m AoYA 4m Cards 2/6 7/12 8/24 Inq EX 10/6 24/12 EQ 1/6 3/12 TU 3/6 5/12
Message 5 of 5
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