p51 wrote:Woo hoo!!! Paid off my cc balance & my score jumped up 27 points on myFico I'm now sitting at 684. For me, this is huge. Finally seeing progress!!!!!!! Thinking of holding off on AMEX & maybe going for chase freedom to start
Good work. Depending on your income you're probably good for an amex charge card, saying this very conditionally without knowing anything else about your history.
Freedom may not be a bad move either. However, again depending on other factors be wary of the inquiries dragging your score back down. You may want to go for an amex charge card first if you don't mind the annual fee since it's close to the end of the year, and you can get in with a member since date of 2014 if you get an Amex before the end of the year.
700 and above isn't too far for you now. Just keep your ducks in a row and enjoy actually being somewhat confident when you apply.