corymcd88 wrote:I just got my FICO and it went from 665 to 714! A 49 point jump up! I'm so happy! I have a car loan that is one year old and a new personal loan. I don't know why it jumped up that much!?!?!
WOW Incredible... Now just see if in 1-2 months it's still that high, if so it's CLI on EVERY GE card you have!!! They seem to only get new soft pulls every 1-3 months sometimes though that's the only reason I say let all those update.
corymcd88 wrote:I just got my FICO and it went from 665 to 714! A 49 point jump up! I'm so happy! I have a car loan that is one year old and a new personal loan. I don't know why it jumped up that much!?!?!
A year is probably a tradeline seasoning boundary, especially for installment loans.
A second installment loan (especially if you have limited history which I think you do) is likewise almost in all ways a good thing.
Beyond that though I don't know, without a shift in balances, old inquiries falling off, or a substantial shift in one's credit mix (and I don't see the second item as such but I've been wrong before) I wouldn't have thought yo'd get that large of a jump; however, congrats regardless 
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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