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Score went up with 2 new cards add!

Frequent Contributor

Re: Score went up with 2 new cards add!

I think it makes sense. So if you have clean reports little changes can effect your score in a greater way.

Starting Score: 744
Current Score: 744
Goal Score: 800


Take the FICO Fitness Challenge
Message 11 of 14
Senior Contributor

Re: Score went up with 2 new cards add!


crosbyk1 wrote:
I think it makes sense. So if you have clean reports little changes can effect your score in a greater way.

 

Yes. In a greater way that the same change in UTIL would if you were in a negative scoring bucket.

 

Could a 1% change in UTIL alone account for a 15 point change? Maybe not. It would seem to me that something aged too.

Message 12 of 14
Moderator Emeritus

Re: Score went up with 2 new cards add!


crosbyk1 wrote: 
Does having the Amex charge card help scoring?

Perhaps so.  What cc's did you have before you added these two?

Just puttin' syrup on something, don't make it pancakes.
Message 13 of 14
Frequent Contributor

Re: Score went up with 2 new cards add!

Cards open=

Chase   6k

Cap       2k

Nord V   4k

BB   3.6k

Macy's        8.3k(has not reported new CL) 

Wave CU    3k

Amex   ?k 

 

Cards Closed=

Credit One  750

Hsbc          1k

WaMu        1.5k 

 

LOC Closed=

  6K(My mom did this to get my credit started) 

 

And One Installment loan

 

That is the basically what is on my credit report.  

 

 


Starting Score: 744
Current Score: 744
Goal Score: 800


Take the FICO Fitness Challenge
Message 14 of 14