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30 Point increase from Barclays and CareCredit reporting!

Regular Contributor

30 Point increase from Barclays and CareCredit reporting!

Holy cow! Barclays and Carecredit are already report and it's put me at a 697! That's the highest I've ever been. 3 points away from the 700 club!!!!  I figured it would drop from the new accounts, but I do have some OLD AU accounts..like from when I was only 14 lol.

 

At any rate..these two guys rocks and report FAST!

First Premier $700 / MileStone $300 / CareCredit $1500 / CapitalOne $3,000 / PenFed OLOC $500 / PayPal MC 2% CB $300 / Discover IT (secured) $200 / Merrick $800 ($1600 at 7mo) / Amazon Store Card $600 / Walmart $1,000 / Saks 5th $500
Message 1 of 12
11 REPLIES
Frequent Contributor

Re: 30 Point increase from Barclays and CareCredit reporting!


coerciondotde wrote:

Holy cow! Barclays and Carecredit are already report and it's put me at a 697! That's the highest I've ever been. 3 points away from the 700 club!!!!  I figured it would drop from the new accounts, but I do have some OLD AU accounts..like from when I was only 14 lol.

 

At any rate..these two guys rocks and report FAST!


Congrats on your approvals and some aging of those accounts will push you into the 700 club...thanks for sharing. Smiley Very Happy


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 2 of 12
Valued Contributor

Re: 30 Point increase from Barclays and CareCredit reporting!

congrats, barclay added 23 points when they started reporting for me....

Message 3 of 12
Senior Contributor

Re: 30 Point increase from Barclays and CareCredit reporting!


coerciondotde wrote:

Holy cow! Barclays and Carecredit are already report and it's put me at a 697! That's the highest I've ever been. 3 points away from the 700 club!!!!  I figured it would drop from the new accounts, but I do have some OLD AU accounts..like from when I was only 14 lol.

 

At any rate..these two guys rocks and report FAST!


Big congrats!

Message 4 of 12
Super Contributor

Re: 30 Point increase from Barclays and CareCredit reporting!

Barclay is funny about how they report in a lot of cases you'll see score increases

Sorry to say it will level off next month 

They reported the year as 1969 in my case which made AAoA jump along with scores...

Unfortunately the next month they fixed the year and I've seen a lot of people say this is how they reported there's as well 

So check the date on yours mine said Dec 1969Smiley Sad

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 12
Mega Contributor

Re: 30 Point increase from Barclays and CareCredit reporting!

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $10k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 12
Community Leader
Senior Contributor

Re: 30 Point increase from Barclays and CareCredit reporting!

Congrats!  Thanks for sharing.

Message 7 of 12
Valued Contributor

Re: 30 Point increase from Barclays and CareCredit reporting!

1969 was a good year...man landed on the moon, hippies were everywhere and life was grand. unfortunately i was not born until 1982

Message 8 of 12
Super Contributor

Re: 30 Point increase from Barclays and CareCredit reporting!


juggalo9er wrote:

1969 was a good year...man landed on the moon, hippies were everywhere and life was grand. unfortunately i was not born until 1982


Lol

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 12
Valued Contributor

Re: 30 Point increase from Barclays and CareCredit reporting!

Awesome increase! Congrats!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 10 of 12