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Curious, How many points a month do you gain?

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Anonymous
Not applicable

Curious, How many points a month do you gain?

I have these cards:

Cap one platinum

Cap one qs1

Credit 1

Barclay

Discover

Target 

Kohls

1000.00 sec loan

25000 auto loan that is 4 months old

 

I pay everything on time. My bankruptcy will be discharged 1 year in Jan 2016.

 

Utilization always stays around 5% for 1 card and zero for others. 

 

I have only been gaining maybe 3 points a month.

 

Curious to see what everyone else gains monthly following the plan?

Message 1 of 5
4 REPLIES 4
Scupra
Super Contributor

Re: Curious, How many points a month do you gain?

This is a hard question to answer! I think all of us see different bumps because we all have such unique profiles. Just keep doing what you're doing and your score will continue to rise Smiley Happy
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 2 of 5
elim
Senior Contributor

Re: Curious, How many points a month do you gain?

about 3

Message 3 of 5
Anonymous
Not applicable

Re: Curious, How many points a month do you gain?

Everyone's CR profile are different but in my case...all are true FICO 8 scores...

 

September 28th:

 

EQ 618

TU 598

EX 592

 

Yesterday, October 28th:

 

EQ 739 (actually it jumped 115 points 2 weeks ago then -115 to 624 last night which was expected feeling it may be an error in the first place LOL)

TU 599 (up 1 point, whoppdeeooo)

EX 613 (up 21 points)

 

My BK7 was discaharged June 2015 little over 4 months now. The only TL I have post BK are 2 new cards opened in August 2015: Merrick Visa $600, last month Barclay MC $1,500 and an Parental Student Loan (PLUS loan) that was included in BK but still paying since it is non-dischargable.

Message 4 of 5
Anonymous
Not applicable

Re: Curious, How many points a month do you gain?

Like others have said, about 3 (for me on TransUnion and Experian), Equifax seems to be a little different for some reason, I've seen an 8 point score jump in one month, while the others are 2 to 3 points.

 

Mind you, my ch 7 BK was just discharged in June of this year (2015).

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