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Valued Contributor
injustifiiable
Posts: 1,084
Registered: ‎03-30-2012

Re: Approved for Citi Diamond Preferred!

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‎07-11-2012 01:39 PM

LionLaw wrote:

Update: Citi pulled EQ.  Somehow, this caused my EQ FICO to go up 3 points (648->651).

 

I'm excited to see what my score bump will be next month; my util will go from $1700/3500 to $30/4000, and that's before my new Citi card even starts reporting.  Any guesses?

Really? Nice! What does your report look like? Any baddies?


Starting Score: TU TransRisk 532| EQ FICO 635|EX Plus 612
Current Score: TU TransRisk 590|EQ FICO 677|EX FAKO 674|Vantage 684 as of March 6, 20
Goal Score: 750-800 across the board

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Frequent Contributor
LionLaw
Posts: 252
Registered: ‎06-10-2012

Re: Approved for Citi Diamond Preferred!

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‎07-11-2012 01:48 PM

Only negative indicators are from late payments on SLs, but those have multiple 120+ lates, with the most recent reporting in Sept '11.  Two open CCs and two closed CCs reporting, all with perfect payment histories; average age of those is about 5 years (oldest is 11 years, youngest is 7 months).  Auto loan opened in April.  Overall AAoA is 5 years.

Starting Score: 617 (EQ 6/10/2012)
Current Score: 694 (EQ 02/24/2013) 704 (EX 02/20/2013 lender pull)
Goal Score: 700
Discover it $2,000 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $1,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

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