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700 Club

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Anonymous
Not applicable

700 Club

Hey guys, I hope this helps someone. However, skinny got into the 700 club tonight! I bought the MF upgrade to 3B+ and my utility pay down updated to Experian. Score rose from 681 to 704.

Screen Shot 2018-12-05 at 5.33.11 PM.png

 

 

 

 

 

 

 

 

 

This card was also blended into a twin with a 2.5k CL with a 1.1k balance which was paid off. I still have another card with a 57% individual utility, and the other CRAs are accounting a 33% overall utility less the additional 2.5k. This activity dropped my overall utility to 14%. 

 

Screen Shot 2018-12-05 at 5.03.31 PM.png

 

 

 

 

 

 

 

Thanks for viewing, and thank you to all who contribute

17 REPLIES 17
Remedios
Credit Mentor

Re: 700 Club

Congrats on all your success so far 

Message 2 of 18
Anonymous
Not applicable

Re: 700 Club

Sounds like you've still got 15-25 points or so on the table based on where your utilization currently sits, so once you overcome that opportunity you'll be even happier.

Message 3 of 18
19eighty5
Senior Contributor

Re: 700 Club

Congratulations on getting into the 700 club!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 4 of 18
NRB525
Super Contributor

Re: 700 Club

Congrats on the score improvements!
It will be interesting to see how utilization changes will affect scores.
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 5 of 18
_NERD
Established Contributor

Re: 700 Club

Congratulations! I can’t wait to get the 3B Ult next week, to see all my scores for the first time since 8/2016.

3B profile optimization in progress...
Message 6 of 18
Anonymous
Not applicable

Re: 700 Club

Thank you all, still waiting on the other two CRA’s to update, I hope they give the same 20+ points

Message 7 of 18
Queen_Etherea
Valued Contributor

Re: 700 Club

Looks like you were right behind me!! My EX updated this morning from 699 to 705! Now all my scores are in the 700's except EQ.

 

Anywho, congrats!! I love it when people achieve their goals on here. You're definitely in for a big increase once you pay down those cards.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 8 of 18
Anonymous
Not applicable

Re: 700 Club

I saw you went from the high 500s to the 700s in a year, THAT is inspiring. Friendly wager on the 800s in a year?
Message 9 of 18
Queen_Etherea
Valued Contributor

Re: 700 Club


@Anonymous wrote:
I saw you went from the high 500s to the 700s in a year, THAT is inspiring. Friendly wager on the 800s in a year?

Thank you!! I couldn't have done it without this forum!

 

Sure I'll take that wager!

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 10 of 18
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