CB's and CCC reporting??

[PRILEY]

The Amex is mine, It just backdated as I had one in 1989.

[PRILEY]

TU Just updated and it was worth ................................19 POINTS ! ! ! ! ! ! ! TU NOW AT 774 ! ! ! ! ! ! !

[PRILEY]

So 19 points going from 31% to 28% utl. I'm happy now as long as it doesn't go down when a 21 yr old trade line reports (the bucket thing)

[vanillabean]

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@PRILEY wrote:

The Amex is mine just backdated as I had one in 1989.

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The 1989 card is one that was closed and fell off your credit reports? It had to figure as unknown in some way, I take it.

Congratulations on the 31-28 jump. Looking forward to hear when the backdate reports and the difference in points.

[PRILEY]

I've been taking the information from here for years, I'm glad now I can put some real data back in ! ! ! Wonder whan creditchecktotal does their thing? In the morning ,evening or all day long? Still wondering what the 21 yr trade line will do. Not that it really maters but FAKO on credt check total which is the plus score went up 20 points.

[PRILEY]

Still no AMEX reports, Geesh 2 statements ending on the 17th and still nothing. Wonder when they'll report?

[vanillabean]

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@PRILEY wrote:

Still no AMEX reports, Geesh 2 statements ending on the 17th and still nothing. Wonder when they'll report?

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It usually takes a month with Amex in my experience.

I suppose you could call them and ask for a manual push.

[PRILEY]

Hauling you were right, AMEX reported today and my TU score went down 1 pt.to 773 But I have nothing bad on that report. On that report the only thing that changed was some ages so there must be some kind of bucket thing going on you were speaking of. I kind of thought that may bite me on EQ with the old paid tax lien,which it still may cause EQ hasn't updated yet, but why TU with no bads? It reported a bal of $133 on a 20k limit. It is another card reporting a bal but it lowered my utl to 19%.Also it is now my oldest trade line reporting as 21yr 1mo. FICO is an odd beast !

[haulingthescoreup]

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@PRILEY wrote:

Hauling you were right, AMEX reported today and my TU score went down 1 pt.to 773 But I have nothing bad on that report. On that report the only thing that changed was some ages so there must be some kind of bucket thing going on you were speaking of. I kind of thought that may bite me on EQ with the old paid tax lien,which it still may cause EQ hasn't updated yet, but why TU with no bads? It reported a bal of $133 on a 20k limit. It is another card reporting a bal but it lowered my utl to 19%.Also it is now my oldest trade line reporting as 21yr 1mo. FICO is an odd beast !

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When something like this happens, we often nod and try to look inside-knowledge-ish and speak of "FICO hiccups."

[PRILEY]

So would it be fair to say that improving my score will move at a snails pace? If so I guess it's time to apply.