Personal loan from wells fargo
I have 4 small credit cards, one at $300 limit, $700, $1500 , $1500. I have no personal loan and my credit score is at 630 equifax . I have paid all my balance down to $0.
Categories: General Credit Tags: already-paying, already-removed, because-economy, been-the-same, credit-card, credit-cards, credit-score, Economy, equifax, everything-down, fico-simulator, gf, installment loan, limit-increase, paying-on-time, personal-loan, score, score-increase, scoreto, wells-fargo
best plan of action for score increase
Real quick guys I need your help this is the deal i have 2 cc"s each with 20k cl's current balance on the first is 4600.00 second is 4000.00. I would like your input as to which course of action to take to raise my fico"s the quickest. Over the next several months I would like to purchase a home.
Categories: General Credit Tags: between-the-two, cl, current-balance, deal, down-between, fico, fico-scores, one-balance, quick-guys, quickest, score-increase, several-months, your-input
Guesstimate of Score Increase
I want to apply for credit in May and want to get my scores as high as possible. TU is 693 and EQ is 663, both reporting identical information. I know that my CC util is hurting my score. Both cards are at 50% util. Can anybody take a stab at how many points my scores can go up by mid May, due to paying off the balances today and getting my util to 0-1%?
Categories: General Credit Tags: balances, both-reporting, eq, guesstimate, score, score cards, score-increase, scores, scores-as-high, stab, stab-at-how, the-balances, util
My score has gone up 38 points
Yay!!! Since January 2010, I've been watching my score and started the FICO challenge. I started with 620 and it has now gone up to 658. However, here is the sad news: I received a letter from Chase two days ago whereby they are notifying me that due to my high balances relative to my credit limits, they will close my credit card. I owe $2400 so of course that will increase my utilization and it will go up to YIKES ...121%. Yes I have other credit cards that are almost to the limit with the exception of one which is at 0 balance. So, my score increase will be short lived. :smileysad:
Categories: General Credit Tags: been-watching, Credit, credit-cards, credit-limits, fico, high-balances, limit, score, score-increase, since-january, utilization, will-increase
2 Judgments deleted off credit report and my FICO score only increases 6 points?
I had two judgments from 3 years ago in the amounts of $230 and $3,200. Both of these were paid in full right before the judgment was going to be placed on my credit. After I paid, the judgment was filed anyways and stayed on my report until I recently reviewed it and filed disputes to get the judgments deleted from my record. Equifax came back and deleted the judgments. However, my FICO score only jumped up from 602 to 608. Why didn't my score increase significantly after these two judgments were taken off?
Categories: General Credit Tags: 3 years, amounts, Credit, credit-report, credit-score, equifax, fico-score, full-right, judgment, judgments, record, report, score, score-increase, the-amounts, the-judgment, two-judgments