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Frequent Contributor
chartley3
Posts: 489
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
trinigal
Posts: 578
Registered: ‎06-18-2007
0

Re: 26 point bump on EQ

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

Re: 26 point bump on EQ

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

Re: 26 point bump on EQ

outstanding! 
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
0

Re: 26 point bump on EQ

That is the util game, fun when you win!:smileyhappy:
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Established Contributor
ObsessedwithmyFico
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
chartley3
Posts: 489
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
MidnightVoice
Posts: 8,161
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  :smileyvery-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
fused
Posts: 16,373
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 (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Established Member
mamabear
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?

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