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68 point Fico drop =(

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distantarray
Established Contributor

68 point Fico drop =(

sigh 14k credit card balances reporting this month with 7 cards reporting, 6 new accounts low AAOA (less than a year now) went from 758 to 690 LOL.

 

It's funny cause out of 7 accounts 6 are only reporting under $300 average 1 account is reporting 11k I already paid all the card off minus the 11k which just reported =\

 

For those who don't know I charged over 30k this month with holiday shopping and buying stuff for the new house I'm closing on figured since black friday was here might as well take advantage lol. 15k was needed cause I didn't have enough cash to do a cash deal, but with my income and working 60-70+ hours a week and thanks to hardrock's generous donation of I need things for my house fund of $4000 I paid more than half of my credit card debts for the month lol. (no living expenses helps too)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 1 of 15
14 REPLIES 14
Epcot
Valued Contributor

Re: 58 point Fico drop =(

Ouch...
We are in the process of replacing our roof and I charged the $45k on cards to get rewards. Thankfully I was able to pay it off before statement closes, that stinks what happened to you. But it will rebound! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 2 of 15
jsickz32
Valued Contributor

Re: 58 point Fico drop =(

758 to 690 is 68 points according to my math lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 3 of 15
distantarray
Established Contributor

Re: 58 point Fico drop =(


@Epcot wrote:
Ouch...
We are in the process of replacing our roof and I charged the $45k on cards to get rewards. Thankfully I was able to pay it off before statement closes, that stinks what happened to you. But it will rebound! Smiley Happy

lol i know i'll post a screenshot after it does just for kicks. I'm not apping for anything anytime soon and no one should FR me LOL so I'm not worried at all. since I paid everything back pretty fast.

 

WTB OLD Authorized user accounts 20+ years! lol paying generously Smiley Wink

 

but you know I still kinda laugh about it cause last year I could only dream of having a 690, now your saying things like "that stinks" cause my scores dropped a lot to this lol


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 4 of 15
Shogun
Moderator Emeritus

Re: 58 point Fico drop =(

Math time....  758 to 690 is 68 points.   Sorry, OCD kicked in.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 5 of 15
distantarray
Established Contributor

Re: 58 point Fico drop =(


@jsickz32 wrote:
758 to 690 is 68 points according to my math lol

lol my bad! o wells how unasian of me =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 6 of 15
HiLine
Blogger

Re: 58 point Fico drop =(

Did the score drop all happen in one score update or did you add up multiple updates?

Message 7 of 15
distantarray
Established Contributor

Re: 58 point Fico drop =(


@HiLine wrote:

Did the score drop all happen in one score update or did you add up multiple updates?


within few days, o yea chase also reported my balances, but not my credit limit yet -_-;


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 8 of 15
john398
Senior Contributor

Re: 68 point Fico drop =(


@distantarray wrote:

sigh 14k credit card balances reporting this month with 7 cards reporting, 6 new accounts low AAOA (less than a year now) went from 758 to 690 LOL.

 

It's funny cause out of 7 accounts 6 are only reporting under $300 average 1 account is reporting 11k I already paid all the card off minus the 11k which just reported =\

 

For those who don't know I charged over 30k this month with holiday shopping and buying stuff for the new house I'm closing on figured since black friday was here might as well take advantage lol. 15k was needed cause I didn't have enough cash to do a cash deal, but with my income and working 60-70+ hours a week and thanks to hardrock's generous donation of I need things for my house fund of $4000 I paid more than half of my credit card debts for the month lol. (no living expenses helps too)


 

Hardrock donation? whats that?

Message 9 of 15
distantarray
Established Contributor

Re: 68 point Fico drop =(

lol hardrock winnings Smiley Wink


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 10 of 15
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