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Experian score jumped 32 points

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Experian score jumped 32 points

HI,

  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%

 

credit score.JPG

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Frequent Contributor

Re: Experian score jumped 32 points

Thats amazing, hopefully I can make it up there in the 800s one day, but right now I'll settle for atleast a 740.

12/18/19






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Message 2 of 7
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Established Contributor

Re: Experian score jumped 32 points

Congratulations!



FICO 8 as of 02/05/20
FICO 9 as of 02/08/20
AoOA - 23Y11M | AAoA - 11Y9M | AoYA - 0Y5M
Open: 8 CC | 2 RC | 1 PLOC | 1 MTG loan | 1 Auto loan
Closed: 1 MTG loan | 1 Auto loan | 2 RC
Message 3 of 7
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Established Contributor

Re: Experian score jumped 32 points

That is fantastic... congrats!!!

 

What was your score before you got to 30% utilization?  AAoA? 

 



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Message 4 of 7
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Senior Contributor

Re: Experian score jumped 32 points

Congratulations on your success!
Message 5 of 7
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Moderator

Re: Experian score jumped 32 points

Excellent, it should rise even higher as you pay down your revolving debt.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 6 of 7
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Regular Contributor

Re: Experian score jumped 32 points

Congratulations!  I am so happy for you!!  

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