cancel
Showing results for 
Search instead for 
Did you mean: 

Wow

Valued Contributor

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
Message 1 of 9
8 REPLIES
Valued Contributor

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
Message 2 of 9
Regular Contributor

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
Message 3 of 9
Established Contributor

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
Message 4 of 9
Established Contributor

Re: Wow

Congrats

Message 5 of 9
Valued Contributor

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
Message 6 of 9
Mega Contributor

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
Message 7 of 9
Valued Contributor

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
Message 8 of 9
Frequent Contributor

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
Message 9 of 9