EQ SW tracker chart above. This past 30 days I had one 90 day late removed (GW to SM for a July 2011 late) and had one 60 day late removed from Cap1 auto. Most recently, I regained 20 points back after paying Cap1 MC from 90% UTIL to ZERO. Back in late Sept I lost 30 points due to this and Walmart midcycle reporting.
Walmart gets updated on 2nd so should see gains from that UTIL being cut from 50% back down to ZERO. Also, in late Sept I had my 5 new accounts report (2 backdated AMEX to 1993, 2 chase cards and Walmart Discover). Also, Nov will make my 90 day later 5 years old (hoping for a score bumb). In December my WF and Cap1 accounts will be 6 months old and my 30 day late on different SM account will be 2 years old.
No lates since March and 7 new CC's since then. Once my updated UTIL reports I'll join NFCU then will be app free until Refi in June. I expect all my scores to be over 700 by then. Right now my only score under 700 is EQ.
That's great and so encouraging, awesome!!!!!!! Did you see the 20 pt increase for util. immediately (within a month of paying down Cap One balance)? Just curious.
Cap1 bill cut on 24th, I had paid on 22nd and I got SW update on 27th. (I had to wait 30 days for new bill to cut but once bill cut it was within 3 days or so that I saw bump, took a day or so for SW to alert me to change. EX report had changed within 1 day of bill being cut (according to USAA monitoring)
Congrats! I've been following you for some time now. You're doing great!
That is impressive! Congrats! And in just 5 months? Gives me hope for my flatlined score.