WOW score from 607 to 654!!!

Discussion in 'Credit Talk' started by sam, Sep 2, 2001.

  1. sam

    sam Well-Known Member

    Only thing that has changed is my new citibank cards have shown up making my debt ratio from 77% to 33%

    Wow! I feel much better now with a 654 score!!!

    Even with 6 new accounts in the past two months, 1 charge off, and 1 collection, and (128 AR/Normal) inquiries!!

    Debt ratios make a HUGE difference in score im afraid to say.
  2. leo728

    leo728 Well-Known Member

    Thanks for pointing that out sam. I can't wait till my new citi card hits my reports!
  3. sam

    sam Well-Known Member

    citi hits your report and the end of the month, straight to "R1" status, none of that "too new to rate b/s".
  4. author_22

    author_22 Well-Known Member

    Congratulations Sam! You certainly deserve it :)

  5. G. Fisher

    G. Fisher Banned


    What's up with all the inquiries?
  6. sam

    sam Well-Known Member

    Re: Inquiries

    alot of equifax/AR/PRM and i applied for an assload of cards. :)
  7. NanaC

    NanaC Well-Known Member

    Re: Inquiries

    Congrats, Sam!
  8. LKH

    LKH Well-Known Member

    Re: Inquiries

    Way to keep those inquiries at a minimum Sam LOL! Congrats on the increase. I had 6 disputes running with Equifax and it bumped my score up to 651. I got 4 deletions, 1 stays which actually is in the process of being removed by the creditor, and it fell to 591. What the hell is that? Then it jumped for no apparent reason to 631, which is where it is now pending removal of a repo. Anyway, congrats again.
  9. mindylou

    mindylou Well-Known Member

    Congrats Sam on the increase, isn't a great feeling:)

    Keep up the good work!!!!

  10. Hope

    Hope Well-Known Member

    Congrats Sam! Way to go!

    Did Citi report your credit limit right away? Mine says "NA".
  11. G. Fisher

    G. Fisher Banned

    What were the four reasons before, and after?
  12. sam

    sam Well-Known Member

    mr fisher, the same 4 reasons i've always had:

    major derogs
    lenght of time cards open
    inquiries are far too many for a sane person.
    balances of debt rati blah blah too high.
  13. G. Fisher

    G. Fisher Banned

    Were they in the same order?

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