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Frequent Contributor
racer-x
Posts: 374
Registered: ‎09-16-2012

57 POINT jump up in 36 days!!!

Man o man....So, upon the advice of you guys, I acquired a Walmart card with a $700 limit.  Today my EQ jumped to 702, from 677 because of it.

Prior to that,  EQ went up 32 points after an installment load was paid off with 100% payment history in 3yrs, and me paying down my Cap One card to less than 10% (currently 0 balance), and my US Bank reserve line down to 6%.

 

TU is at 672, but I expect that to go up as well.  EX stuck at 652?

 

This was done in the last 36 days and with the great advice from this forum!

 

THANK YOU ALL!!!  WOOT WOOT

 

 

 


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011

Re: 57 POINT jump up in 36 days!!!

Excellent! Encouragement for us all! Congratulations.



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
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: 57 POINT jump up in 36 days!!!

Congrats, that's fantastic!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Moderator
09Lexie
Posts: 24,120
Registered: ‎09-13-2012

Re: 57 POINT jump up in 36 days!!!

New Contributor
mizmagic
Posts: 64
Registered: ‎10-20-2012

Re: 57 POINT jump up in 36 days!!!

Inspiration!


Starting Score: 523
Current Score: EQ 608 EXP 648 TU 565
Goal Score: 800


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

Re: 57 POINT jump up in 36 days!!!

Awesome! Looking forward to the day I can get an approval! (: 


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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Blogger
HiLine
Posts: 2,831
Registered: ‎10-19-2012

Re: 57 POINT jump up in 36 days!!!

Fantastic! How long did it take between when you obtained the Walmart card and when the big jump happened? That'd be valuable experience for others trying to build their credit.

Moderator
Shogun
Posts: 12,860
Registered: ‎04-15-2011

Re: 57 POINT jump up in 36 days!!!

Awesome job.  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!
Frequent Contributor
racer-x
Posts: 374
Registered: ‎09-16-2012

Re: 57 POINT jump up in 36 days!!!

The increase to my EQ happened as soon as Walmart reported the account to them which has been just a couple of days, AND before I received the card.   I don't even have the card yet!

 

Thanks for all the kudos people!


Starting Score 9/12: EQ 645 TU 641 EX 651
Current Score5/13: myFico EQ 729 DicoverTU 710 myFico EX 734
Goal Score: 750

AMEX PRG,AMEX BCP-$15.1k,US Bank PLOC-$15K,CSP-$15k,Freedom-$6k,CapOneVisa-$15k,US Bank Visa-$10k, DCU Visa-$10k,Paypal MC-$15k,USAA MC-$12k,Lowes-$8600,CapOne Visa-$10k,Discover IT-$12.9K,BoA Visa-$10.1K Walmart -$4k,GECU Visa-$3500, US RLOC-$750

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