Well, that’s great news. FAKO scores can sometimes be similar to your FICO scores, but other times can be off. I remember at some point mine were off by 50 points or so.
You might want to check with your bank, I have a Bank of America credit card and they give me a free monthly TransUnion FICO score.
And yes, ALWAYS pay on time and never go over your limit, that is the key to improving your scores. Having a good credit mix helps too (a credit card, a store card, a car loan, etc.). I’ve learned that credit usage, as long as you never exceed your limit, will affect your credit score only in the short-term. This means that you need to be careful with usage only when you are looking to apply for credit. Say, if I’ll be applying for a car loan, I’ll make sure my credit usage is under 10% at least a couple of months before I go to the dealer so that I come with the best score possible and get the best rates. Otherwise, if I’m not applying for anything, I just worry about not going over my limit and not spending more than I can afford.
I liked that you said that now you can sit back and relax. That’s the best attitude to have. I think people should worry about improving their credit so they can make it work to their advantage, not become addicted to it. There are plenty of online credit forums with people that are addicted to applying for credit cards.
You can now sit back, relax, and enjoy your new pots! 🙂