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all i need is time and money accoring to tu/fico

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Anonymous
Not applicable

all i need is time and money accoring to tu/fico

Understanding Your FICO® Score

708

  • Hurting your score
  • 1. High credit usage
  • 2. Short account history
  • 3. Short revolving history
  • Helping your score
  • 1. No missed payments
  • 2. Not seeking credit
  • 3. No collection or record
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: all i need is time and money accoring to tu/fico

Your assessment is quite accurate. What's your current utilization?
Message 2 of 5
Anonymous
Not applicable

Re: all i need is time and money accoring to tu/fico

overall 34%. i know, working on picking up a p/t job. just been a really rough year, spouse unemployed for 2 months, then 50% salary cut for her new job from last job, stove died, water pipe broke, picked up 2 more kids, numerous custody hearings for said kids, etc..
 
i think the worst of it may be over now, the money hemmoraging has gradually turned into a slow bleed. the p/t job is just about half my hourly wage, but will help. only thing is it takes so long to get the clearances and required training (both of which i already have and excede, but they won't recognize) before i can work a shift.
Message 3 of 5
Anonymous
Not applicable

Re: all i need is time and money accoring to tu/fico

as a point of referance my first ever tu myfico purchase was on 9/3/07 and returned a score of 638!
Message 4 of 5
RobertEG
Legendary Contributor

Re: all i need is time and money accoring to tu/fico

Great progress!  While 34% util wont get you into the higher FICO ranges, it is not a bad util at all.  You know what to do, and are on the right track.  Dont pay late, and get down %util.
Message 5 of 5
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