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

Cant it be November already?

[ Edited ]

This wait is killing me.  After the first week in November, I'll have the following positive influences on my scores:

 

1. High balance on Walmart and Cap1 will be paid off and reflected in CR's. (Util will be back under 9% for all cards with balance only reported on one.)

2. Ill have all 5 new CC's reporting (two with AMEX backdating to 1993 - my oldest and newest accounts)

3. The increase in new accounts that have zero balance will mean the 20ish point hit I took on my TU report for "too many accounts with balance" will be no longer be a factor.

4. My old 90 day late will  be 5 years old (old 30 day late on different account will make 2 years in Dec)

5. Another month of on-time payments

 

I have no idea what my scores will be.  I cant wait to find out!



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
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Cant it be November already?

You're doing great!   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+

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

Re: Cant it be November already?

I'm really hoping 5 year point on 90 day will give me a boost. Looking forward to all scores being over 700.


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
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Cant it be November already?

That's great progress. Waiting is indeed so hard. I also just brought my util down by a bit and can't wait to see the change. :smileyhappy:


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Contributor
Posts: 109
Registered: ‎08-12-2012
0

Re: Cant it be November already?

Fingers crossed for u!!!

 

So just for my education, is it the 5 yearpoint when lates fall off or hv the least impact?


Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: Cant it be November already?

Most have a decreased impact at 5 years. They typically fall off after 7. (Plus 180 days I think). I've not seen anything about 90 day late at 5 year point resulting in score gain but I'm hoping it will.


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
Regular Contributor
Posts: 116
Registered: ‎09-02-2012
0

Re: Cant it be November already?

Great job! I am also wishing November would hurry up.  I have a couple of disputes I filed in the beginning of October, I can't wait to see the results.

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

Re: Cant it be November already?

AMEX Delta already reporting to Experian.  However, USAA has it a little mixed up.  On one line it has my Delta card listed under EX and two spots over it has the charge card listed on the same line under TU.  Chase Freedom not reporting yet but I just got the statement last night.



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

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.