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.
Cards And Credit History
Bank Of America: BankAmeriCard Cash Rewards-4/25/12-1,000$ (CLI Increase on 6/15/13)
Citi: Forward-10/27/12-3,000$ (SP CLI 2/8/14)
Discover: More. 10/27/12-2,000 (Auto CLI 5/31/14)
Amex: PRG.- 11/24/12 (Closed 12/13/13) Amex BCE.2k-12/7/13. Amex SPG-4k.-12/8/13
Chase: Freedom-2,400-5/1/13. Southwest Rapid Rewards Plus- 3,600- 6/15/13.
Future Cards
Marriott Premier Rewards
American Airlines AAdvantage Gold
Chase Sapphire Preferred
Fidelity Amex

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