Reply
New Contributor
ntx
Posts: 66
Registered: ‎08-02-2012
0

AU Finally Reported - It's Really True - Nice Score Boost

Hi All,

 

In October I was added as an AU on a 24 year old FIA Mastercard, $9.6K limit, no lates ever, very low balance currently (about $90).

 

My EQ on 10/31/12 was 658 (myFICO). My own total CL reporting then was $13.7K (I have two new cards approved but not yet reporting).

 

My AAoA was 1.1 years, after an app spree in Aug. and Oct.  Util. was about 23%.

 

After the AU started reporting, that put my AAoA at 3 years, and my Util. went down to 13.1%  ( I also had 2 small CLI from Walmart & Amazon totalling $700 between 10/31 and today).

 

The best part - with the only difference being the AU added and the 2 GE CLIs - is that today my EQ from myFICO reported at 683 :smileyhappy: , a 25 point increase!

 

So it really does work! 

 

Again, I'm very grateful to everyone here. I would have never known about the "AU effect" on FICO scoring if I hadn't read it here!

 

NTX

Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011
0

Re: AU Finally Reported - It's Really True - Nice Score Boost

Grats! Feels great don't it. Same here when I was added to DW Freedon with a 12K cl.

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: AU Finally Reported - It's Really True - Nice Score Boost

Congrats! My hubby got a nice boost from being added to my cards!

Nice score boost!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Regular Contributor
pt2005
Posts: 129
Registered: ‎10-12-2012
0

Re: AU Finally Reported - It's Really True - Nice Score Boost


kwazziee wrote:

Grats! Feels great don't it. Same here when I was added to DW Freedon with a 12K cl.


Question: My DW just added me to her Freedom. Chase only asked for First and Last name. I'm curious and skeptical how Chase knows it's me (her husband) to add without asking for SSN

 

Thanks

FICO Scores: EX 744 (Quizzle), myFICO EQ 675, myFICO TU 708
Credit Cards: Chase Freedom 7k | Cap1 Spark Cash 5.5k | AMEX TrueEarnings 4.5k | Cap1 Cash Visa 3.5k | Cap1 Cash MC 3.5k | AMEX SimplyCash 3K | Discover IT1k
Store: PayPal SmartConnect 5k | JCP 4.2k | Banana 3k | Walmart 2.2K | Kohls 1500 | TargetRED 300
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: AU Finally Reported - It's Really True - Nice Score Boost

Congrats


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}