topic Re: scores went up? in Rebuilding Your Credit

scores went up?

pineappledaydreams — Fri, 04 Jan 2013 23:50:20 GMT

First they sent down after an app spree. Total drop of 10 points each. Got approved for several cards, cap one MasterCard, Walmart card, amazon, applied bank (**bleep** card) not worth applying for the last one. Went from 200 to over 2000 CLI. I figured my scores would drop further cause of AAoA going down. Nope, went up from 627 to 639 and 623 to 632. I'm confused, why the increase? I went from 4 inq to 11+ on each report. I'm not even over a year since last late, .9 months since last negative. AAoA did drop yet I can't add this all up, please help explain? Thank you.

Re: scores went up?

pineappledaydreams — Fri, 04 Jan 2013 23:53:58 GMT

What in god's name is net spend? I got an offer in the mail from them, seem kind of fishy, tossed it to the shredders then burnt the remains.

Re: scores went up?

llecs — Sat, 05 Jan 2013 01:48:52 GMT

pineappledaydreams wrote:
First they sent down after an app spree. Total drop of 10 points each. Got approved for several cards, cap one MasterCard, Walmart card, amazon, applied bank (**bleep** card) not worth applying for the last one. Went from 200 to over 2000 CLI. I figured my scores would drop further cause of AAoA going down. Nope, went up from 627 to 639 and 623 to 632. I'm confused, why the increase? I went from 4 inq to 11+ on each report. I'm not even over a year since last late, .9 months since last negative. AAoA did drop yet I can't add this all up, please help explain? Thank you.

Are you looking at a FICO score?

Are you comparing the same FICO in the before and after?

Did you have any CCs prior to these?

Did all of these report?

Did util improve due to their reporting?

Re: scores went up?

pineappledaydreams — Sat, 05 Jan 2013 02:34:15 GMT

Fico scores on myfico.

Same fico scores in and out.

One cc prior. 200 limit

Utli didn't change.

Re: scores went up?

Shogun — Sat, 05 Jan 2013 02:39:57 GMT

Because you have new positive TLs, it takes generally 3 revolving to get the max advantage of them for your scores. You have that now.

Re: scores went up?

llecs — Sat, 05 Jan 2013 02:43:10 GMT

And each CC is reporting now?

If so, sounds like there's an improved mix of credit, especially after only having one CC. I started with 0 CCs. I saw a gain with my first 3 added, and lost points on the rest.

Re: scores went up?

loviedovie — Sat, 05 Jan 2013 20:31:28 GMT

What an awesome surprise! Congrats! :)