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Update on my scores

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Regular Contributor

Update on my scores

Aug 23rd: Transunion 583 Equifax 561 Experian 509 Sept 4th Transunion 652 Equifax 596 Experian 621 I went and applied for 4 store cards. Target $200. Walmart $500. Old Navy $200. Victoria's Secret $200. That and paying off my low balance cc, along with 2 deletions helped alot. I can't believe I jumped that much so quick. I won't use the store cards, because honestly, why put it on credit when I can just use cash.

Starting Score: EQ 433 12/2008
Current Score: EQ 649EX (LO Pull) 683 TU 663
Goal Score: 700 12/11


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All baddies gone! lates have hit the 2 year mark!
Message 1 of 7
6 REPLIES 6
Valued Contributor

Re: Update on my scores

Great Job!  One thing though.......read other posts about not using credit cards.  They do not help your score as much as using them for a couple dollars each a month.  Keep it 1% - 9% util. rate, and pay them on time.  This will help your score a lot more than just putting them in the drawer.

Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Message 2 of 7
Moderator Emeritus

Re: Update on my scores



@John060675 wrote:
Great Job! One thing though.......read other posts about not using credit cards. They do not help your score as much as using them for a couple dollars each a month. Keep it 1% - 9% util. rate, and pay them on time. This will help your score a lot more than just putting them in the drawer.





BUT- Do not have balances on more than 50% of your revolving accounts in the same month.
Message 3 of 7
Valued Member

Re: Update on my scores

How did you get two deletions? Was there errors on your credit report?
Message 4 of 7
Frequent Contributor

Re: Update on my scores

Congrats
Message 5 of 7
Regular Contributor

Update on my scores 9/11

Aug 23rd: Transunion 583 Equifax 561 Experian 509 Sept 4th: Transunion 652 Equifax 596 Experian 621 Sept 11th: Transunion 652 Equifax 618 Experian 636 I finally got into the 600 club. I know having too many inquiries counted against me, but getting the cards helped out alot. I honestly didn't think it was possible to raise them in such a short amount of time. I now have one cc with the 3k limit, 2 with a cl of $300-350 and 3 store cards cl's $200-$500 and surprisingly, a chevron gas card came in the mail, when I thought for sure that I was denied. $3oo. I'm hoping 700's in the next 6 months. I know it'll probably take longer to get to that bracket.

Starting Score: EQ 433 12/2008
Current Score: EQ 649EX (LO Pull) 683 TU 663
Goal Score: 700 12/11


Take the FICO Fitness Challenge
All baddies gone! lates have hit the 2 year mark!
Message 6 of 7
Moderator Emeritus

Re: Update on my scores 9/11

Nice!
Message 7 of 7
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