Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0

Wow

Don't know why but my score shot up

724 to 748! Just gardening.
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0

Re: Wow

I don't know why this created a new thread when I was in the Walmart scores for November

Mods please delete this thread
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Regular Contributor
Posts: 123
Registered: ‎07-22-2012
0

Re: Wow


creditnocash wrote:
I don't know why this created a new thread when I was in the Walmart scores for November

Mods please delete this thread

Anyhow, congrats on the huge score increase! =)

Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA

Goal for 2014 ~760+

Trying to stay in the garden...but also trying to get as many apps as possible for now Smiley Wink
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Wow

your AAOA might have hit a new Tier or sometimes a credit limit is reported late lowering your utility there's a lot of things Fico does weird an never explains. I was able to get 750+ in 1 year and I have friends who couldn't hit that in 5 years.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Wow

Congrats

Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0

Re: Wow


distantarray wrote:

your AAOA might have hit a new Tier or sometimes a credit limit is reported late lowering your utility there's a lot of things Fico does weird an never explains. I was able to get 750+ in 1 year and I have friends who couldn't hit that in 5 years.


this is true. really the only thing i can think of is that i havent openned any new accounts since agust and my oldest new account turned 5 months. card says since july but inq is jun 26th. 

other then that my util went to 7% vs 1% and 2 cc reporting and amex with the balance that doesnt effect util. 

paid amex and my highest card so now just best buy reporting 325 out of 14k in limits.  

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Wow

Congrats!!!

It's possible you were rebucketed or your accounts aging created a positive impact on your score.



EQ FICO 548 3/3/16
Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
0

Re: Wow


LS2982 wrote:
Congrats!!!

It's possible you were rebucketed or your accounts aging created a positive impact on your score.

im ok with this idea lol. 

now for score watch to update me score =/ 

or ck. 

 

like in the other thread when i first got my walmart card to now. 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Frequent Contributor
Posts: 403
Registered: ‎02-01-2010
0

Re: Wow

Congrats....reasons don't matter much. LOL!

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.