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Cant it be November already?

Valued Contributor

Cant it be November already?

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

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Message 1 of 8
7 REPLIES
Moderator Emeritus

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+
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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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 8
Valued Contributor

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
Message 3 of 8
Valued Contributor

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. Smiley Happy


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 8
New Contributor

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
Message 5 of 8
Valued Contributor

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
Message 6 of 8
Regular Contributor

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.

Message 7 of 8
Valued Contributor

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
Message 8 of 8