App Spree and 57 Point FICO Increase

[Anonymous]

My amex didn't report until nearly 3 months. This is apparently normal with them.

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@Anonymous wrote:
Getting impatient.

Still no AMEX reports and only 1 account showing paid as agreed.

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[Anonymous]

Woah!!!

My Discover it was used once last month and PIF.

That 23>0 balance change reported to Equifax today.

My score jumped +67 points!

660>727

Fantastic result in such a short time.

23 more points and I will be at o.99% refio level, lease a nice car in 2 years.

[Anonymous]

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@Anonymous wrote:
Will Alliant SSL be necessary with my car installment loan?
Still get the 32 point bump?

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No, you'd see a ZERO point gain from implementing the SSL technique if you already have an open installment loan present on your credit report.

[Anonymous]

AMEX finally reported to the bureaus.

-1 point drop
648 EX
658 TU
722 EQ
Just a matter of time before all scores rise.

[Anonymous]

Already in mid-700s!
EQ 746
TU 709
EX 681

[Anonymous]

EQ 749
TU 709
EX 681

[Anonymous]

Month 4 of Gardening
EQ 747
TU 714
EX 694
Util 3%-6%

[Anonymous]

Congrats; interesting credit journey.

[Anonymous]

Hard pulls
EQ 2
TU 4
EX 8
Seems number of HP in 12mo having biggest effect, this will age off in 8 months.

[Anonymous]

Goal reached after only 11 months.

My EQ is now 763.

Anything above 760 is just a buffer for app sprees. Only took 5 months of gardening.