6 Credit Cards. How long until I get back to 700+ Fico?

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Credit Card guy
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6 Credit Cards. How long until I get back to 700+ Fico?

Postby Credit Card guy » Wed Nov 14, 2012 7:38 pm

...if I keep them under 30% debt? A lot of them are pretty high. Some are ranging between 60-80%. Found out that my Fico score was in the low 620s when about 6 months ago I was 725 middle score. Luckily for me I am able to bring down the debt on all of them however I am unable to get approved for anything it seems.

Anyways, I was wondering how many months it would take for me to get back up to the 700 range.

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Postby cashback » Wed Nov 14, 2012 8:57 pm

It should go back up as soon as you get your utilization below 30%
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

Exp 772 - TU 781 - Equ 781

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Postby Snowman » Thu Nov 15, 2012 12:02 am

To add to what Cashback said, also keep your utilization if you can to under 10% because it looks like you might be crazy and spending, and high utilization can lower your scores as well.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

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