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Established Member
Posts: 29
Registered: ‎04-05-2010
0

3 days and 33 points!

I joined ScoreWatch 3 days ago so I could start rebuilding my credit so I can purchase a new vehicle later this year and a house in the next 3 years. The economy hit me hard while in college and forced me to miss payments, etc.

 

Three days ago my score was a 582, quite poor. It was my goal to get to a 620+ by September of this year so I could purchase a new vehicle with the help of a cosigner that has a 700+.

 

I made some calls over the past three days and received an email about an hour ago from myFico that I had a credit alert. Pleasantly to my surprise my score has already jumped to a 615! 33 points in the past 3 days.

 

Does anyone know how I can see what exactly caused this jump? I emailed a few companies asking them for deletes but I'm not sure which if any did it or what caused the jump in my score.

Regular Contributor
Posts: 127
Registered: ‎07-09-2012
0

Re: 3 days and 33 points!

Congrats! You should probably join a credit monitoring site that you can pull a new tri report daily. Popular ones on the boards include Eliminate Theft ID MPM( I have this one), others use USAA Credit monitoring, there are others but I'm drawing a blank. Having a daily puller credit monitoring system is very handy when cleaning up your reports because you're able to see your progress. And you don't have to wonder about what changed and lead to your increase or decrease. Myfico updates are great for fico score changes and new items added to your report. But if something gets deleted it doesn't give you that info.
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: 3 days and 33 points!

Where did you get the scores from?  FICO?  FAKO?   You could have had something deleted or fell off.

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+
Take the myFICO Fitness Challenge

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!
Established Member
Posts: 29
Registered: ‎04-05-2010
0

Re: 3 days and 33 points!

I got it from myFico. 

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: 3 days and 33 points!

Grats.  Nice gain.  Figuring out what caused a score increase can be next to impossible.  It may be a combination of factors and not one single item.  The best way to try to figure it out is to have access to daily credit reports like USAA or another service and the compare the two reports.  Check things like lates falling off, time since last late, decreases in reported UTIL, etc.  Sometimes, you will just scratch your head and say "oh well at least it went up."



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: 3 days and 33 points!

Congrats

Regular Contributor
Posts: 206
Registered: ‎12-20-2012
0

Re: 3 days and 33 points!

Congrats indeed!

 

The alert didn't tell you what the source of the change was? They usually do that for me. They won't give details but they say something vague and I can piece it together. 


Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: 3 days and 33 points!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Member
Posts: 29
Registered: ‎04-05-2010
0

Re: 3 days and 33 points!

 

The alert just said that a collections was removed, I want to know which collections though.

Contributor
Posts: 140
Registered: ‎01-01-2013
0

Re: 3 days and 33 points!

Congrats!  Way to go!  It's such a great feeling, isn't it?  When you cick to view your alerts, and then you select the Details button, it should show you the old tradeline and then the newly reported information.  Compare this to your pre-dispute report and you should get an idea of what caused the jump  Either way though, congrats on the great progress!! Yay you!! Smiley Happy

***9-4-13: TU 602 EQ 663 EX 626***
***6-13-13: TU 558 EQ 642 EX (yay to MyFICO for no more FAKO!!) 620***
5-31-13: TU 558 EQ 642 EX FAKO 643 * 1-24-13: TU 611 EQ 621 EX FAKO 643 * 1-21-13: TU 513 EQ 621 EX FAKO 643 * 1-3-13: TU 513 EQ 583 EX FAKO 643 * 1-1-13: EQ 568 EX FAKO 643 TU 513 * 12-22-12: EQ 558 EX FAKO 586 TU 525 * 11-15-12: EQ 554 EX FAKO 565 * 9-9-12: EQ 525 EX FAKO 574 TU (Lender pull-auto) 433
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