Got a SW alert, up from 522 to 538. Looked at EQ report, and not a darn thing changed. ??? Not sure what happened, but I am guessing that an old late payment aged out of scoring or something weird. Any way, I will take it. Thought that maybe my lower util on Capone had hit, since it hasn't updated from Oct, but that was not the case. They still have not reported the pay down. So any day I should get another little bump. Maybe that elusive EQ score will start to climb up into the range of the other two now. That would sure be nice.
Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
I kinda watch those things too. I am thinking it might be an AAoA, as my biggest CC hit 3 years this month. Also, my last 30 day late also hit 3 years ago Dec 1. So it could be either or, or even a little of both. Lucky for me, I was able to get the other 30 day lates GW'd. Man did that help things out. I don't think you are overly weird at all. I am just as obsessed as the next myfico junkie, lol.
awdsmama wrote:
Jutz wrote:So, this may be overly obsessive, but I listed out every derog I had, along with the date it happened, and the anniversary dates at 6 months, 1 year, 2 year, and 7 years. So...yeah. Now you know about my lack of a life.
I have an excel workbook with this information ;-) Color coded even.
HAHA! Mine is definitely color coded. I get to fill in the box green when I hit my anniversary of a derog. My rebuilder spreadsheet has 3 pages, including that one. AAoA calculator where I can mess around with how adding/substracting accounts will effect me, and an activity log of all my efforts on each derog (with contact info, names, addresses, etc).
Take it and run! Congrats!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
