10-29-2012 07:43 AM
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.
10-29-2012 08:02 AM
Congrats sir, that is very nice progress.
10-29-2012 08:07 AM
10-29-2012 08:21 AM
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.
10-29-2012 09:16 AM - edited 10-29-2012 09:17 AM
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)
10-29-2012 09:17 AM
Congrats! I've been following you for some time now. You're doing great!
10-29-2012 09:34 AM
10-29-2012 01:11 PM
That is impressive! Congrats! And in just 5 months? Gives me hope for my flatlined score.