How to gain 20 points on EQ

[Red1Blue]

My EQ is stuck at 680 for last few months. I want to make it to 700 Club. What is the best way to accelerate the process to make it 700. My util is very low. Less than 1%. So lowering util is not going to help,

[Junejer]

You are going to need time for your accounts to age. You have so many new accounts, that your AAoA is suffering. You know that already though. Just sit tight, no more apps, and let the accounts age naturally.

[Anonymous]

my equifax has been at 698 for a year.  no matter what i do i can't move it..................sigh.........................They're the one under 700.

EQ-698   TU-733  EX-761

Message Edited by casinoannie97 on 04-17-2009 07:08 AM

[Red1Blue]

My scores have not changed for last 4-5 months. I guess, my best course of action is to figure if I can get some of the baddies out from CR. Time to go back to writing lot GW letters this weekend.

[Anonymous]

Can you be added as an AU to a significantly older account?  This would improve your AAoA.

[Anonymous]

i'm wondering how long they hold BK against you.

[Junejer]

My guess is 10 years.

[Anonymous]

Is this true - will this really help or would it hurt b/c it would considered a "new" account on your report?

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800FICOwannabe
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04/22/09 - Experian Vantage Score (FAKO): EX - 595
04/21/09 - FICO scores: EQ - 711, TU - 642
04/01/09 - TU's TrueCredit (FAKOs): EQ - 605, EX - 643, TU - 632
02/28/09 - updated Tri-Merge: EQ - 699, EX - 651, TU - 571
08//01/08 - starting scores (Tri-Merge Morgtage Enhanced): EQ - 607, EX - 556, TU - 534

[Junejer]

If you're talking about AU, then the account would take on whatever history the primary account holder has. So, if the account is 20 years old, then it will be reported as such.

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800FICOwannabe wrote:

Is this true - will this really help or would it hurt b/c it would considered a "new" account on your report?

************************
800FICOwannabe
************************
04/22/09 - Experian Vantage Score (FAKO): EX - 595
04/21/09 - FICO scores: EQ - 711, TU - 642
04/01/09 - TU's TrueCredit (FAKOs): EQ - 605, EX - 643, TU - 632
02/28/09 - updated Tri-Merge: EQ - 699, EX - 651, TU - 571
08//01/08 - starting scores (Tri-Merge Morgtage Enhanced): EQ - 607, EX - 556, TU - 534

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[Anonymous]

Like everyone else here, I'm trying to re-establish my credit after some very poor decisions on my part.  How certain are you that this would have a positive impact on my scores and not the reverse?  My mother would be more than happy to add me to a couple of her accounts (I'd pick the oldest accts with the lowest balance/limit ratio), but I don't want to do it if it will negatively impact my scores AT ALL! 

If it will have a positive impact, how many should I been added as an AU to?  

************************
800FICOwannabe
************************
04/22/09 - Experian Vantage Score (FAKO): EX - 595
04/21/09 - FICO scores: EQ - 711, TU - 642
04/01/09 - TU's TrueCredit (FAKOs): EQ - 605, EX - 643, TU - 632
02/28/09 - updated Tri-Merge: EQ - 699, EX - 651, TU - 571
08//01/08 - starting scores (Tri-Merge Morgtage Enhanced):
EQ - 607, EX - 556, TU - 534