07-26-2013 09:54 AM
Up 16 points to 708 so barely back in the 700 c.lub after the app spree.
07-26-2013 09:34 PM
Up 4 points from 652 to 656
07-26-2013 09:36 PM
At 726, +1 from last month
Been stuck in the 725(min)-731(max) range ever since I signed up in January XD even with an AAoA of 2 years finally on my files, this score simply does not want to jump! XD
The 731 was a result of 2 out of 6 cards reporting a 1% balance...currently, two accounts are reporting $0. Waiting for everything to report and/or statement cut!
07-27-2013 01:09 PM
Amex closed my statement later this month than ever before, so even with the very late DCU pull, my 2.968/3000 Amex from last month is still posted instead of the $16.82 this month. Still flatlined at 648, c'est la vie .
I read somewhere on this forum that util is rounded up, so in both those cases it's still 1%. Even if util is calculated so very precisely, the difference between those two are so minimal, I don't think you would really see a difference...
I have a old $30,000CL Chase card that was never removed from my CR and therefore I can't use it as it was from an old company I worked for but it counts as part of my Credit limit and so I have a hard time hitting my 1% utilization rate and as it is rounded up you actually do need 1/5 of a percent to get it. I know because I keep bouncing between less than 1/5% and right above 1/5% and once it hits 1/5% then it rounds up. This is how it works on my reports.
Haha, that's unfortunate about your credit line, but good info! Good to know.
07-28-2013 09:01 AM
went from 654 last month to 724 this month!!!!!!!!! Never been in 700's before for EQ Fico. So happy about this! Thanks to the last collection gone and many new positive tradelines and the older ones showing perfect history. I am so proud of myself! My AAoA and inq's are in hell though. But still very proud
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.