I am very new to all this credit stuff,got some help about half a year ago from some members on here and I want to say thanks.
Just yesterday my Experian score jumped to 830 and I just wanted to share how it got there in case some are trying to get to that
exceptional score level.
Been a busy winter for us financially as we are preparing for some big changes and I was afraid my score would take a hit but here is
what I did.
I increased my CC from 1500 to 10000 therefore decreasing my CC utilization but I had a hard inquiry on my report but looks like it didn't affect it much.
I paid 1,000.00 towards one of my small bank loans which decreased the balance to 900.00
I have 2 CC with a total limit of 18,500.00 with a total balance of around 3,000.00
CC utilization went from 30% to 16%
Thats amazing, hopefully I can make it up there in the 800s one day, but right now I'll settle for atleast a 740.
That is fantastic... congrats!!!
What was your score before you got to 30% utilization? AAoA?
Congratulations! I am so happy for you!!