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Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012
0

+16 for no reason at all?!

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
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


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Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: +16 for no reason at all?!

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.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012
0

Re: +16 for no reason at all?!

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. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


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Established Contributor
awdsmama
Posts: 755
Registered: ‎01-20-2012
0

Re: +16 for no reason at all?!


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.

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: +16 for no reason at all?!


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).

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
jandj80
Posts: 230
Registered: ‎09-22-2012
0

Re: +16 for no reason at all?!

Love it! I should do that too, but for now, I am just chilling watching things go up. Here's hoping it continues to rise. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: +16 for no reason at all?!

Take it and run!   Congrats!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: +16 for no reason at all?!

That's a nice increase! Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
0

Re: +16 for no reason at all?!

Points are points. I get excited reading about people nearly obsessing over their credit because you KNOW those people will not be back here as long as they can help it. It's really impressive. 



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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Valued Contributor
madmann26
Posts: 1,421
Registered: ‎08-30-2012
0

Re: +16 for no reason at all?!

Congrats!!!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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