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My FICO scores are in...

Established Contributor

My FICO scores are in...

So, I am using CCT. Which I just canceled the other day. I ordered my updated 3 bureau report.. Here are the results.. EX: 672 - TU: 689 - EQ: 720...LoL. I am wondering what I can do to take advantage of the EQ jump? Funny because last month, around the same time, my EQ was 635.
OpenSky®VSA: $375 | First ProgressMC: $404 | CapOneMC: $605 | CapOneQSMC: $2150 | Cabela'sVSA: $4000 | Barclaycard® RewardsMC: $1000 | BlazeMC:$1500 | First SavingsMC: $1500 | LegacyVSA:$1750 | AMEX BCP®: $9000 | AMEX Hilton Honors™: $6000 l Discover: $4300 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus®: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | SamsClub:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $2000 | Overstock: $6200 | SMG VSA: $3800 | Abercrombie: $1600 | Express: $2400 | Buckle: $1500 | Kay: $6750 | PayPal: $2774 | Citi® / AAdvantage® Platinum: $14500 ***FICO08 as of: Dec 1st 2017-EX: 717 | EQ: 714 | TU: 738***

8 REPLIES
Super Contributor

Re: My FICO scores are in...

Hack TU and EXSmiley Wink
Message 2 of 9
Senior Contributor

Re: My FICO scores are in...

What do you mean by take advantage of it?

Message 3 of 9
Community Leader
Valued Contributor

Re: My FICO scores are in...

I'm also not sure what the question is. Are you planning to apply for a credit card (or cards plural), and you are looking for lenders that historically pull Equifax?


$500k+ club. | FICO 08 [Nov 2017]: EQ 743 EX 741 TU 743 | World's worst gardener.
Message 4 of 9
Valued Contributor

Re: My FICO scores are in...

Apply for another discover card.... DV


     $500         $1,000        $1,300        $1,500        $1,850         $3,400        $3,500                            $9,500        $1,000
Message 5 of 9
Established Contributor

Re: My FICO scores are in...

Yeah, I was thinking of getting another card...but upon further thought, I have too many. No more needed. TBH, that's how I ended up with 5 Chase cards, when my EQ score soared into the 700's. It was like, I was unstoppable. Anything I applied for with Chase, was approved! And it took this long... over 1.5 years to ever see 700+ again, in EQ land. I'm just going to ride this out. It's nice to see improvement though in my scores. And these INQ's that are dropping like flies!
OpenSky®VSA: $375 | First ProgressMC: $404 | CapOneMC: $605 | CapOneQSMC: $2150 | Cabela'sVSA: $4000 | Barclaycard® RewardsMC: $1000 | BlazeMC:$1500 | First SavingsMC: $1500 | LegacyVSA:$1750 | AMEX BCP®: $9000 | AMEX Hilton Honors™: $6000 l Discover: $4300 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus®: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | SamsClub:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $2000 | Overstock: $6200 | SMG VSA: $3800 | Abercrombie: $1600 | Express: $2400 | Buckle: $1500 | Kay: $6750 | PayPal: $2774 | Citi® / AAdvantage® Platinum: $14500 ***FICO08 as of: Dec 1st 2017-EX: 717 | EQ: 714 | TU: 738***

Message 6 of 9
Senior Contributor

Re: My FICO scores are in...

I agree with not opening any more cards.  Judging by your signature, it looks like you should consider closing some down, definitely not opening more up.

Message 7 of 9
Established Contributor

Re: My FICO scores are in...

Experian FICO updated to 722 - TU updated to: 728. WooHoo!
OpenSky®VSA: $375 | First ProgressMC: $404 | CapOneMC: $605 | CapOneQSMC: $2150 | Cabela'sVSA: $4000 | Barclaycard® RewardsMC: $1000 | BlazeMC:$1500 | First SavingsMC: $1500 | LegacyVSA:$1750 | AMEX BCP®: $9000 | AMEX Hilton Honors™: $6000 l Discover: $4300 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus®: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | SamsClub:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $2000 | Overstock: $6200 | SMG VSA: $3800 | Abercrombie: $1600 | Express: $2400 | Buckle: $1500 | Kay: $6750 | PayPal: $2774 | Citi® / AAdvantage® Platinum: $14500 ***FICO08 as of: Dec 1st 2017-EX: 717 | EQ: 714 | TU: 738***

Message 8 of 9
Valued Contributor

Re: My FICO scores are in...


BrutalBodyShots wrote:

I agree with not opening any more cards.  Judging by your signature, it looks like you should consider closing some down, definitely not opening more up.


Yeah. I'd start with Open Sky, First Progress, and Blaze.

Message 9 of 9