700...Yes, I said SEVEN HUNDRED

[Anonymous]

Had not checked FICOs in awhile. I was shocked to see 700 on my TU.

When does the guage inch up from GOOD to VERY GOOD?

Your TransUnion FICO score: 700   

                 July 21 07                          Oct 22 07
 
TU-                642                                  700
EX-                651                                  680
EQ                679                                  663

In 3 months EQ dropped 16pts, EX jumped 29pts and TU rocketed 58pts!

Thanks for the help folks!

[Anonymous]

nice work- keep it up.

[Anonymous]

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Timothy wrote:
nice work- keep it up.

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Thanks Timothy. Odd that EQ was my highest before & is now the lowest. I have a few ideas about that tho. there were 2 new INQ on EQ in the past few months.

I had a goal of 680, now the bar has been raised.

[Anonymous]

I am not holding my breath to hit 700 for 6 more months.

That's OK TU used to love me...

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@Anonymous wrote:

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@Anonymous wrote:
nice work- keep it up.

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Thanks Timothy. Odd that EQ was my highest before & is now the lowest. I have a few ideas about that tho. there were 2 new INQ on EQ in the past few months.

I had a goal of 680, now the bar has been raised.

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[Anonymous]

Just read your posts,

'200 points in 11 months 680 685 690 '

I think you'll have several 700s pretty soon.

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Timothy wrote:
I am not holding my breath to hit 700 for 6 more months.

That's OK TU used to love me...

[Anonymous]

The UTL is already under 5% and just got a 50K HELOC - it WILL report w/i 30 days.
I suppose there is a chance-SLIM though
My SL's will age to 6 months in Nov/Dec
Amex will be 6 months in Jan

Still not holding my breath- I got my HELOC and what I was shooting for.

Thanks for the encouragement - The beer is on me in AZ.

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@Anonymous wrote:

Just read your posts,

'200 points in 11 months 680 685 690 '

I think you'll have several 700s pretty soon.

---

@Anonymous wrote:
I am not holding my breath to hit 700 for 6 more months.

That's OK TU used to love me...

---

[AfterTheStorm]

Congrats! I'm a newbie and hoping to do what you did. I sent you a private msg. Pls read and offer any advice you may have. Thanks!

[haulingthescoreup]

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@Anonymous wrote:
The UTL is already under 5% and just got a 50K HELOC - it WILL report w/i 30 days.
I suppose there is a chance-SLIM though
My SL's will age to 6 months in Nov/Dec
Amex will be 6 months in Jan

Still not holding my breath- I got my HELOC and what I was shooting for.

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We match pretty well with util, and I only got hit 3 pts on the HELOC when it posted (not counting the inq ding, whatever it was.) That's with $3K (now $2K) used of the $50K. Once I start really using it, it'll be a whole different story, though. But until you do that, I think you're a lot closer to 700's than you think--I'm thinking January wih the Amex half-birthday.

[haulingthescoreup]

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@Anonymous wrote:
Had not checked FICOs in awhile. I was shocked to see 700 on my TU.

When does the guage inch up from GOOD to VERY GOOD?

---

pretty sure this is it: very good 720+, great 760+ (this is from DH's reports, which are ever so much better than mine, sigh)

congrats on the lucky 7!

[Anonymous]

Can someone help me understand how my score could drop on Equifax report from 622 to 568 based on the balance on a credit card that went from $268 to $414? Dropping 54 points is shocking! This is a card that is showing one late in 5 year, but my latest MyFico Alert is indicating that the drop is directly linked to this card.