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UP from 781 in May to 817 for me!
Just discovered Walmart free FICO...but.... Walmart FICO 700...Purchased Transunion FICO from MYFICO....650. And FWIW Credit Karma TU 671.
@CS800 wrote:
@RockinRay wrote:UP from 781 in May to 817 for me!
Jesus , Joseph and Mary
That's awesome Ray
Thanks man... Been a long time coming.
Up 2 points for me to 835.
Down 2 points for DW to 775.
663 with a credit increase of $100.
Guess TU is gonna keep doling out 2 points a month.
@RockinRay wrote:UP from 781 in May to 817 for me!
WTG, that's awesome, whatever you are doing, you are doing it well!!!!
just singed in on my new Walmart Discover (yes, got it for the TU)
735,
Says impacting score
1. High bal on installment loans / initial bal; Makes sense. I refied car and home 2-3 months ago. Seems more important would be L/V; but clearly that is not something they track, or could feasibly for low cost service
2. High use of revolving credt. " In your case, this ratio of balances to credit limits is too high." it might be 10%; highest card being 25-30%
But I guess they need to list something. Given that this is not a fullt report, I'm going to want to buy one in 60 days to catch the impact of all this apping on stats such as AAoA.
FICO EX 827, 2015 Feb; FICO EQ 836/900 (Citi), 2014 Dec; FICO TU08 818, 2015 Feb.
BofA Cash Rwrds Sig V 2013 10k; Fidelity Rewards AmEx /BofA 2013 15.4k; Chase Freedom Sig V 2002 24.1k; Chase Amazon Rwrds Sig V 2011 8k; Sam's Club MC 2002 10k; Dscvr It 2012 10k; Citi Dvdnd Plat Sel V 2013 8.9k; PenFed Plat Rwrds V 2013 20k; AmEx Blue Sky 2013 11.3k; AmEx BCP 2014 24.1k; Priceline Rwrds Sig V 2013 8.7k; PayPal Xtras GE Cap Plat MC 2012 5k
I jumped from 680 to 711