Please understand before I can call this fact I need to pull off a score over 845. So for now it is all theory based on a little bit of proof that fits perfectly in to this puzzle.
I made a very big mistake that now will probably prevent me from being able to hit 850. This may only affect my bucket.
I have a theory and I have proof. The proof is that one of my actions gain special points. But then I reversed it to be sure it was my action. Here was my mistake because I thought I could just redo the action but my lender says no can do. The important thing is that I believe I have identified the missing link to break 840s.
I believe there are extra points for people that have made mistakes and changed their ways. But it gets way more complicated than that. For this specific point gain you would have to filter out the stuff that lowers your score and keep the stuff that raises your score, then it has to be reported just right. And us as consumers don't really have any control to make it report this way. Or do we? wait.. I think I just found a way to make this happen again! Whohoo!
(new hope) This is super risky. Before I just got lucky by way of chance but now I'm going to take a real risk to try and produce the same action intentionally. I could loose some major points if it backfires.
I'm pretty sure my score would have been at least 845 but more likely 847. How I came up with the number of 845-847. I had for example a score of 800 at the time. This isolated action gained X amount of points. Then I reversed it and lost exactly X amount of points. There was the control. So now my score is high. If you take my current score and add exactly X amount of points you get 845-847. But theory because I don't know if the points gained would combine with other actions later canceling out the score gain. I need to prove this now so it's not theory.
Stay tuned. This action needs to be handled very delicately. So yes, I did have the points (when my score was lower due to UTL and Inqs so I never saw the 845-847). This might take some time because I have to wait monthly for things to update before I can try another. One try per month. Too much of a good thing in this case can also lower the score.
Message Edited by ilovepizza on 09-01-2008 02:15 PM
I made a very big mistake that now will probably prevent me from being able to hit 850. This may only affect my bucket.
I have a theory and I have proof. The proof is that one of my actions gain special points. But then I reversed it to be sure it was my action. Here was my mistake because I thought I could just redo the action but my lender says no can do. The important thing is that I believe I have identified the missing link to break 840s.
I believe there are extra points for people that have made mistakes and changed their ways. But it gets way more complicated than that. For this specific point gain you would have to filter out the stuff that lowers your score and keep the stuff that raises your score, then it has to be reported just right. And us as consumers don't really have any control to make it report this way. Or do we? wait.. I think I just found a way to make this happen again! Whohoo!
(new hope) This is super risky. Before I just got lucky by way of chance but now I'm going to take a real risk to try and produce the same action intentionally. I could loose some major points if it backfires.I'm pretty sure my score would have been at least 845 but more likely 847. How I came up with the number of 845-847. I had for example a score of 800 at the time. This isolated action gained X amount of points. Then I reversed it and lost exactly X amount of points. There was the control. So now my score is high. If you take my current score and add exactly X amount of points you get 845-847. But theory because I don't know if the points gained would combine with other actions later canceling out the score gain. I need to prove this now so it's not theory.
Stay tuned. This action needs to be handled very delicately. So yes, I did have the points (when my score was lower due to UTL and Inqs so I never saw the 845-847). This might take some time because I have to wait monthly for things to update before I can try another. One try per month. Too much of a good thing in this case can also lower the score.
Message Edited by ilovepizza on 09-01-2008 02:15 PM
pizza, if you ever solve the riddle and get bored and wander off, a great deal of fascination will go out of my life! I've never actually known a mad scientist before.
Good luck on the next move, whatever it is. (I was lost long ago.)
I've never actually known a mad scientist before.Good luck on the next move, whatever it is. (I was lost long ago.)
@MidnightVoice wrote:Agreed.
@cobra19 wrote:IMO, at the 800 mark there isn't much you can do to increase your score - other than to let your accounts age. There is just so many things you can do to increase a score. At 800, you've done them all.
For the record: more proof that this viewpoint is incorrect, imho ... and that it can be changed very quickly and very easily:
(please note the following example is for my current bucket and from EQ):
I've been sitting at 816 for awhile and recently opened a new cc account (previously: no new accts, no inqs, util jumping between 1 & 2%, 2 of 7 ccs with balances). Lost 10 points. On my cr, two of the four negative reason codes were: "You have a relatively high number of accounts with balances" and "You have too many bank/national revolving accounts with balances being reported".
So then, within 10 days, I only reported 1 balance on my CCs (out of 7 open): and gained 8 points (out of only 44 possible points to 850; a 18+% gain, equivalent to ~24points at 720 for a very simple action). Those two reason codes are now gone.
eta: Cheers to mad scientists!
Message Edited by JayToo on 09-01-2008 10:32 AM
Next action gained more points. Cool. 
But I think my score will be over 850. Is that possible? I had a theory that there were multiple ways to hit 850, so in theory if all these things were done at the same time the points would all add beyond 850 and just stop reporting at 850. I may actually have this answer in the next coming months.
At least now if I add up all my theoretical points I would now have 850+. All I have to do is see if all points will add up together or if some of them cancel each other out. We know that FICO will reward for action A but not reward for action A if action B is present but sometimes it will add both A+B together. So time to put this theory to a real test and see if 850 really exists. I have all parts needed to hit 850 if my calculations are correct and if I remained in the same bucket. That's the last part that I'm worried about is a bucket change. I think the next bucket drops -10 points. I'm doing a bucket check next month to see if it changed.
Message Edited by ilovepizza on 09-06-2008 01:33 PM
But I think my score will be over 850. Is that possible? I had a theory that there were multiple ways to hit 850, so in theory if all these things were done at the same time the points would all add beyond 850 and just stop reporting at 850. I may actually have this answer in the next coming months.
At least now if I add up all my theoretical points I would now have 850+. All I have to do is see if all points will add up together or if some of them cancel each other out. We know that FICO will reward for action A but not reward for action A if action B is present but sometimes it will add both A+B together. So time to put this theory to a real test and see if 850 really exists. I have all parts needed to hit 850 if my calculations are correct and if I remained in the same bucket. That's the last part that I'm worried about is a bucket change. I think the next bucket drops -10 points. I'm doing a bucket check next month to see if it changed.
Message Edited by ilovepizza on 09-06-2008 01:33 PM
