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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Wow

Don't know why but my score shot up

724 to 748! Just gardening.
Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
creditnocash
Posts: 2,255
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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
SportBike4Life
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 :smileywink:
Established Contributor
distantarray
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
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Wow

Congrats

Valued Contributor
creditnocash
Posts: 2,255
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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Mega Contributor
LS2982
Posts: 15,436
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.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
creditnocash
Posts: 2,255
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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
SpiceIslander
Posts: 348
Registered: ‎02-01-2010
0

Re: Wow

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

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13000 | Lowes 10,000 | LOC 9300 | FNBO 8900 | Amex BCP 7200 | BOA Platinum+ 6000 | Amex SPG 5700 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900

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