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Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Wal-Mart December TU08 Score!! GO GO

Up 3 points to 671.  Got a lot of new accounts reporting so I'm sure that's the hit I'm taking.  Oh well, I'll give it a little time and it will bounce back over 700 again.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Regular Contributor
Posts: 155
Registered: ‎06-20-2012
0

Re: Wal-Mart December TU08 Score!! GO GO


maiden_girl wrote:

My score dropped like 20 points. I'm at 690 now (again) Lol. But my PIFd accounts haven't report yet. It's ok tho. The score says 12/3 on mine even tho it barely posted just now.


im at 674. down 16 points from 690. I accidentally let 5k worth of balances report. Im going to PIF everything tomorrow, Ive been too busy to stop by the bank. bummer I was so close to 700 :/

Valued Contributor
Posts: 1,441
Registered: ‎01-14-2009
0

Re: Wal-Mart December TU08 Score!! GO GO

Up 2 points: 788 -> 790

Regular Contributor
Posts: 242
Registered: ‎06-27-2011
0

Re: Wal-Mart December TU08 Score!! GO GO

Oh I know it will. 2 TLs are Amex - ones a green charge and other is BCE once those report they will boost me up a bit and util will drop after payment next month on Freedom and 2k limit from BCE will also lower util% even though its only like 9% right now. Then 61 day 3x CLI will really help if approved. Looking forward to the next 6 mos. Hopefully 775+ by then.

Starting: 563 | Current: 748 (TU 8/15) | Goal: 800 | Garden since: 08/10/2015

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Wal-Mart December TU08 Score!! GO GO


aplast wrote:

maiden_girl wrote:

My score dropped like 20 points. I'm at 690 now (again) Lol. But my PIFd accounts haven't report yet. It's ok tho. The score says 12/3 on mine even tho it barely posted just now.


im at 674. down 16 points from 690. I accidentally let 5k worth of balances report. Im going to PIF everything tomorrow, Ive been too busy to stop by the bank. bummer I was so close to 700 :/


Oh snap! 5k! Wow! I wish my $0 balances would report already but it probably won't be for another 30 days. They are so slow with this. Knowing Discover, they will report my last statement balance (a whopping 900 some dollars) before reporting the 0 balance. Sigh

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Wal-Mart December TU08 Score!! GO GO


aplast wrote:

maiden_girl wrote:

My score dropped like 20 points. I'm at 690 now (again) Lol. But my PIFd accounts haven't report yet. It's ok tho. The score says 12/3 on mine even tho it barely posted just now.


im at 674. down 16 points from 690. I accidentally let 5k worth of balances report. Im going to PIF everything tomorrow, Ive been too busy to stop by the bank. bummer I was so close to 700 :/


5k wow, man. Smiley Surprised Oh well, your score will go back up next month. Unless you have another 5k reported, lol.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Regular Contributor
Posts: 217
Registered: ‎09-25-2012
0

Re: Wal-Mart December TU08 Score!! GO GO

Finally lol. 3 point increase to 692 with two recent accounts and 1% util.
TU 746 (10/13)
GOAL: 750+






Regular Contributor
Posts: 123
Registered: ‎01-15-2009
0

Re: Wal-Mart December TU08 Score!! GO GO

[ Edited ]

Went from 656 to 781! My old college had falsely put a collection on my account ( I left that college back in 1988)! Of course, I disputed, and this is the score that I have now that it, the only collection on my TU, is gone...

 

 
 Your FICO® Score
As of December 03, 2012
your FICO® Score is:
781
 
All 3 bureaus (per Amex CreditSecure FAKO) are still 748 (as of 12/19/13). Cards: Discover It, $12,100, Chase Freedom $3,300, Chase Amazon $1,500, Walmart store $11,000, AMEX Zync NPSL, Costco Amex $14,700. US. Bank Cash +, $5,000. AMEX SPG $6,000, PenFed Plat. Cash Rewards $17,500, PenFed P-LOC $10,000, Citi Forward $5,100, Chase Slate $5,000, Old Navy, $2,200.
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Wal-Mart December TU08 Score!! GO GO

Your score graph looks off.  Your score is almost 800 but it has you in the red color?


trishdadish wrote:

Went from 656 to 781! My old college had falsely put a collection on my account ( I left that college back in 1988)! Of course, I disputed, and this is the score that I have now that it, the only collection on my TU, is gone...

 

 

 
 Your FICO® Score
As of December 03, 2012
your FICO® Score is:
781

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Regular Contributor
Posts: 199
Registered: ‎12-11-2009
0

Re: Wal-Mart December TU08 Score!! GO GO

Up 7 points to 753!

 

 

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


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