[Franklin]

Update..

Today I checked my Fico8 and it has recovered +15 points. It has now been 3.5 months since I leveraged my credit and took a -36 point hit. I still need to recover an additional +21 points to be back where I was.

Have you used the cards for any other purchases, besides the motorcycle? While having your cards maxed out is bad, having your cards with no usage is also not good as it doesn't help you.

Increasing your access to credit (another card or trade line), will also give you an immediate jump. You don't have to use it for spending. The higher the credit limit the bigger the jump.






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