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Finally broke 700 on my credit score after 3 years of work
I checked my FICO score this morning and it hit 702 after sitting at 640 for forever. I paid down a $1,200 balance on an old store card and it pushed me over the edge. Anyone else have a small victory like this recently?
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dylan_ward4mo ago
Breaking 700 is for sure a good milestone, but I'd be careful giving a single card payment all the credit. Your mileage may vary, but I've seen people get trapped thinking one move fixes everything when other factors are still weighing them down.
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sandragrant4mo ago
Dylan, you're spot on about not giving one card all the credit. For me, it was paying off a small store card that finally pushed me over 700, but I also had to fix a few other things like keeping my oldest account active and not applying for new credit too often. That single payment helped, but it was really a bunch of small habits adding up over a few months. What other stuff do you think people overlook when they're trying to boost their score?
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the_jessica4mo ago
Love that feeling of finally breaking through, it's like the universe giving you a little nod that you're doing something right. Makes me think about how we spend so much time chasing these big goals but it's usually the small stuff like paying off a single card that actually moves the needle.
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