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2 years ago
Sun Nov 27, 2022 3:46 pm
NoMoneyNoHoney
Seasoned RebelNeed BTC card
NoMoneyNoHoney has passed the 12 month threshold!
No scorable inquiries on file!
No scorable inquiries on file!
Any quick guide someone can point me to show "how doing __X__ will effect my FICO score?" Like some sort of potential credit calculator.
I bank with a credit union that uses Experian. My experian score is already much higher than my Trans/EquaFax scores.
Wondering if I pay off my $9400 balance of my Chase credit card (I believe they code as Experian), if that will be enough to get my Experian score to "good level"...right now it's around 650. Most of my credit cards code with Transunion.
I don't have unlimited money so I need to be strategic on what cards I pay off first. Almost all of them have ridiculously high APR. My idea is to get my Experian to decent enough level where I can get a 0% balance transfer card at Patelco Bank. Then use the balance transfer card to transfer a big balance over to save money on interest for a year while I work to pay it off. Please see my other posts for more background info.
I sense I might be able to leverage my strong internal score with this credit union (paid off several loans with them and banked for 10+ years) with a barely decent enough Experian. They have minimum Experian scores ( I dont know exactly yet but guessing whatever gets you to "good level").
Feedback most appreciated - thanks!
I bank with a credit union that uses Experian. My experian score is already much higher than my Trans/EquaFax scores.
Wondering if I pay off my $9400 balance of my Chase credit card (I believe they code as Experian), if that will be enough to get my Experian score to "good level"...right now it's around 650. Most of my credit cards code with Transunion.
I don't have unlimited money so I need to be strategic on what cards I pay off first. Almost all of them have ridiculously high APR. My idea is to get my Experian to decent enough level where I can get a 0% balance transfer card at Patelco Bank. Then use the balance transfer card to transfer a big balance over to save money on interest for a year while I work to pay it off. Please see my other posts for more background info.
I sense I might be able to leverage my strong internal score with this credit union (paid off several loans with them and banked for 10+ years) with a barely decent enough Experian. They have minimum Experian scores ( I dont know exactly yet but guessing whatever gets you to "good level").
Feedback most appreciated - thanks!
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Cards: 2 Discover's, 1 BofA , 1 Chase Freedom, 1 CITI double cash, 2 NFCU platinums, Venture, Capital Quicksilver, Capital QuicksilverOne,
- Tagline Need BTC card
- Score data EX 757 TU: 742 EQ: 750
- Classic 8 Scorecard CLEAN/THICK/MATURE/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/YOUNG/NO-NEW-ACCOUNT
- AoOA 20 yrs
- AoORA 20
- Date of Last Inquiry and/or New Account Opening January 1st, 2023