78 pt increase with TU

[niecey89]

I am so happy I just received a 78 point increase with TU. Was 571 now 649 and rising. How I did you ask? (LOL)

I used part of my severance to pay off all but one of my credit cards and one of my Sallie Mae school loans which had a co-signer. (payoffs was done in November). 

Here is where I am at today:

Orchard Bank: Bal $400 out of $500

SallieMae: (1) $7500  repayment

SallieMae: (2) $25000 unemployment deferment

Amercredit: (truck loan) $25000

All christmas shopping was done with cash or debit card. Yes I am doing the happy dance because I am back in the 600 Club 

Message Edited by niecey89 on 12-17-2008 01:31 AM

[Junejer]

Congrats Niecy. Just wait til you get that remaining card under 9% util. More points for you.

[niecey89]

Thank you. Yes that card will be paid off before the next statement cuts in January.

[Junejer]

Pay to about $10 instead and allow that to report, then PIF, as this is your last card with a balance right? You don't want FICO to think that you are afraid of credit and actually lose points.

[niecey89]

Yes this the only card that still has a balance. I will pay it down to about that much. No problem. 700 club by the spring..fingers cross

[Junejer]

Crossing fingers and toes for you.

[niecey89]

lol, thanks

[Anonymous]

Congrats, niecey!