Pay for the FICO scores. Your CK and CS scores are FAKO (as in fake scores) because they are not true FICO scores. Your scores could be higher or lower. Either way, at least they are scores that actually mean something.
@Anonymous wrote:I really want to hit 700, what else should I do?
*2 Inquiries (last one posted Nov 2013)
*24 Total Accounts (including multiple student loans, 2 closed cc's one paid off one details on next line, 3 open ccs, one personal line of credit, one closed loan)
*Closed CC: (closed at my request to cut interest in half): currently 8000/11500 (opened Jun 2007, closed Jan 2012)
*PLOC: 133/2500 (opened Dec 2011)
*Chase CC: 5995/7000 (Opened May 2009)
*Kay CC: 330/4600 (Opened May 2012)
*Synchrony CC: 0/3500 (Opened Nov 2011)
*AAoA: 5 years 9 months.
*First credit (car loan): opened March 2006
*One BADDIE: Late plus 30 March 2013
*No collections, Bankruptcies, etc.
I know it lies in that high utilization Chase CC, how much do you think I have to pay off before my score jumps? According to CK and CS its at 677, I know its not the most accurate, but just to give you an idea. Thank you!!
@pi-r-squared wrote:Pay for the FICO scores. Your CK and CS scores are FAKO (as in fake scores) because they are not true FICO scores. Your scores could be higher or lower. Either way, at least they are scores that actually mean something.
@Anonymous wrote:I really want to hit 700, what else should I do?
*2 Inquiries (last one posted Nov 2013)
*24 Total Accounts (including multiple student loans, 2 closed cc's one paid off one details on next line, 3 open ccs, one personal line of credit, one closed loan)
*Closed CC: (closed at my request to cut interest in half): currently 8000/11500 (opened Jun 2007, closed Jan 2012)
*PLOC: 133/2500 (opened Dec 2011)
*Chase CC: 5995/7000 (Opened May 2009)
*Kay CC: 330/4600 (Opened May 2012)
*Synchrony CC: 0/3500 (Opened Nov 2011)
*AAoA: 5 years 9 months.
*First credit (car loan): opened March 2006
*One BADDIE: Late plus 30 March 2013
*No collections, Bankruptcies, etc.
I know it lies in that high utilization Chase CC, how much do you think I have to pay off before my score jumps? According to CK and CS its at 677, I know its not the most accurate, but just to give you an idea. Thank you!!
Instead of paying for FICO Scores, bring down your overall utilization to under 10% and you should see a big boost.
