At least, according to Credit Sesame and Creditkarma. I'll take it! They both say I'm now in the 730 range, which is amazing since I've been in the lower 600's forever! 
I did have a MyFico subscription, but honestly CS and CK seemed to stay around the same range, give or take 20 or so points. It just frustrated me, so I canceled it.
I think what gave me this sudden bump is that an old auto repo that belonged to the OC was sold to a debt collector, so it no longer reports as "recent", and now carries a $0 balance. I'm not concerned about the debt collector at all since it is well, well past the statute of limitations here in NC.
I also had an old BoA chargeoff fall off early.
I have several charge-offs that will fall off within the next year. I cannot WAIT to see what my score will be then since it is already at 730(ish) now!
On a side note: Eff you, Cap1. I asked for a CLI on a card and they denied it stating I had a 632 equifax score. Myfico (before it expired the other day) said it was at 698. C'mon, Cap1! I've given you a flawless payment history over the past year, and ran over 3k through the 3k card I asked for an increase on. 
Anyways - just wanted to say thank you, guys! The wealth of information on these forums is incredible!
@Anonymous wrote:At least, according to Credit Sesame and Creditkarma. I'll take it! They both say I'm now in the 730 range, which is amazing since I've been in the lower 600's forever!
I did have a MyFico subscription, but honestly CS and CK seemed to stay around the same range, give or take 20 or so points. It just frustrated me, so I canceled it.
I think what gave me this sudden bump is that an old auto repo that belonged to the OC was sold to a debt collector, so it no longer reports as "recent", and now carries a $0 balance. I'm not concerned about the debt collector at all since it is well, well past the statute of limitations here in NC.
I also had an old BoA chargeoff fall off early.
I have several charge-offs that will fall off within the next year. I cannot WAIT to see what my score will be then since it is already at 730(ish) now!
On a side note: Eff you, Cap1. I asked for a CLI on a card and they denied it stating I had a 632 equifax score. Myfico (before it expired the other day) said it was at 698. C'mon, Cap1! I've given you a flawless payment history over the past year, and ran over 3k through the 3k card I asked for an increase on.
Anyways - just wanted to say thank you, guys! The wealth of information on these forums is incredible!
Cap One apparently uses FICO 4 (or possibly one of the Bank Enhanced scores), not FICO 8 for scores. Do you only have the one card from Cap One?
I have another card with Cap1 with an 8k limit. It also has a flawless history with them.
@Anonymous wrote:I have another card with Cap1 with an 8k limit. It also has a flawless history with them.
You can always combine them and then app for a new card... thats what I did.
That's what I plan to do in three more months. (and that's how I got an 8k card... combined a 5k and a 3k... haha.)
congratulations i also finally hit the 700 club also .. its very exciting