Yowza !
Got a big jump with the TU FICO score from Discover.
It's 746 now 
(score as of 17 Oct, shows up 4 days later)
Last month, it was 686; this month (11th), Barclay FICO said 707 (with Barclay's own zero balance and 3k CLI not reported); so month-to-month jump of 60 points, and 39 points within a week !
Earlier, the two main negatives were: 1) Length of time a/c have been established and 2) Proportion of balance to credit limits too high. Now, the first reason remains as it is, and the second one changed to No recent instalment loan history.
Well, I can live with that.
Now, the CSP app probably didn't register with TU (it was frozen, but I don't know if Chase, by being a lender to me already, can pull through the freezer). I didn't get an alert with CK today, I'll wait till next week, if they did a double pull so be it then. EX got a new pull, but it had one less pull (1 year or less) than TU so it kinda evens out.
Will look out for the DCU score later this month. EQ has been the lowest for me. Let's see.
@Ghoshida wrote:Yowza !
Got a big jump with the TU FICO score from Discover.
It's 746 now
Last month, it was 686; this month (11th), Barclay FICO said 707 (with Barclay's own zero balance and 3k CLI not reported); so month-to-month jump of 60 points, and 39 points within a week !
Earlier, the two main negatives were: 1) Length of time a/c have been established and 2) Proportion of balance to credit limits too high. Now, the first reason remains as it is, and the second one changed to No recent instalment loan history.
Well, I can live with that.
Now, the CSP app probably didn't register with TU (it was frozen, but I don't know if Chase, by being a lender to me already, can pull through the freezer). I didn't get an alert with CK today, I'll wait till next week, if they did a double pull so be it then. EX got a new pull, but it had one less pull (1 year or less) than TU so it kinda evens out.
Will look out for the DCU score later this month. EQ has been the lowest for me. Let's see.
Nice i got an little bump today from TU when they reported an balance change. Got an mini boost of about 11 points.
I have not been on in a while, but checking in for October. It just hit me today that I have not app'd for a CC since 06/24/13..nearly 16 months!!! Although my last auto loan app was a little shy of 8 months ago. Still, thats a long time!!!!
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
@mongstradamus wrote:
@Ghoshida wrote:Yowza !
Got a big jump with the TU FICO score from Discover.
It's 746 now
Last month, it was 686; this month (11th), Barclay FICO said 707 (with Barclay's own zero balance and 3k CLI not reported); so month-to-month jump of 60 points, and 39 points within a week !
Earlier, the two main negatives were: 1) Length of time a/c have been established and 2) Proportion of balance to credit limits too high. Now, the first reason remains as it is, and the second one changed to No recent instalment loan history.
Well, I can live with that.
Now, the CSP app probably didn't register with TU (it was frozen, but I don't know if Chase, by being a lender to me already, can pull through the freezer). I didn't get an alert with CK today, I'll wait till next week, if they did a double pull so be it then. EX got a new pull, but it had one less pull (1 year or less) than TU so it kinda evens out.
Will look out for the DCU score later this month. EQ has been the lowest for me. Let's see.
Nice i got an little bump today from TU when they reported an balance change. Got an mini boost of about 11 points.
That's cool. You getting your utilization better
@calihlove75 wrote:I have not been on in a while, but checking in for October. It just hit me today that I have not app'd for a CC since 06/24/13..nearly 16 months!!! Although my last auto loan app was a little shy of 8 months ago. Still, thats a long time!!!!
That's great Your scores are pretty good !
@-NewGuy- wrote:
@Ghoshida wrote:
@-NewGuy- wrote:
@Ghoshida wrote:Re-entering the garden.
(Sheepish smile).
Okay, 1 year is a long time to target. 6 months look more manageable.
So I'm here till at least April 2015.
Welcome back! We aren't going anywhere!
Thanks. The little sneaking outside the garden was worth it, 6.7k of CSP. Now back and tending to saplings.
US Bank definitely won't give me a CLI citing too many inq, but that's okay. The 45k bonus will heal those wounds
Well congrats on the CSP. 45k UR points is wonderful!
Thanks NewGuy ! Let me explore this wonderland of UR points; so far I've simply cashed in on my Freedom UR points as cashback
Just need to get my experian score to follow tu and eq lead. Then will have reached my goal I set out at beginning of year. 😀
@mongstradamus wrote:
Just need to get my experian score to follow tu and eq lead. Then will have reached my goal I set out at beginning of year. 😀
It'll take me a long, long time to get where you're right now
I paid almost all a/c in full and still got short of 750, so to get to north of 750 it'll be a while.
Hey GCErs!
Making my rounds to say hello and congratulations to all those who are tending their seedlings!
Good morning GC!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k