Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 491
Registered: ‎05-23-2007
0

26 point bump on EQ

Just got a scorewatch and got a 26 point jump due to my one CC reporting a $13 balance on a $300 limit. I just hope when the other 2 report at the end of the week I can see another huge bump.
Established Contributor
Posts: 578
Registered: ‎06-18-2007
0

Re: 26 point bump on EQ

Well Amen to that! Congratulations!
Valued Member
Posts: 158
Registered: ‎06-15-2007
0

Re: 26 point bump on EQ

congrads!!!!
Established Contributor
Posts: 560
Registered: ‎05-03-2007
0

Re: 26 point bump on EQ

outstanding! 
Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
0

Re: 26 point bump on EQ

That is the util game, fun when you win!Smiley Happy
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Contributor
Posts: 513
Registered: ‎05-31-2007
0

Re: 26 point bump on EQ

Don't hold your breath waiting on TU....been waiting on them to make a couple updates for what seems like forever. The other two have already updated.
Frequent Contributor
Posts: 491
Registered: ‎05-23-2007
0

Re: 26 point bump on EQ

My only question is if I keep them at the 1-9% util range every month will the score keep going up or will it stagnate. I really want to get my EQ over the 600 bump. Its at 500 now with the jump. If I get another 40-50 point jump when my other 2 cards report on the 2nd, will they bump up again the following month?
Super Contributor
Posts: 8,198
Registered: ‎03-25-2007
0

Re: 26 point bump on EQ



ObsessedwithmyFico wrote:
Don't hold your breath waiting on TU....been waiting on them to make a couple updates for what seems like forever. The other two have already updated.



Hey - TU loves me.  They might be slow, but they give me my highest score  Smiley Very Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
0

Re: 26 point bump on EQ



chartley3 wrote:
My only question is if I keep them at the 1-9% util range every month will the score keep going up or will it stagnate. I really want to get my EQ over the 600 bump. Its at 500 now with the jump. If I get another 40-50 point jump when my other 2 cards report on the 2nd, will they bump up again the following month?


I would not expect much of a change.  It's just one more month of util at 1-9% and one more month of on time payments.  Since your scores are low, I suspect you have a number of baddies on your reports.  Do you what they are?  Are they lates, COs, CAs, judgments???  Getting any baddie deleted will improve your scores.
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Established Member
Posts: 40
Registered: ‎05-05-2007
0

Re: 26 point bump on EQ

That's great!  Did your scorewatch come right away or was there a delay?

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.