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For those who doubt...

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jacq
New Contributor

For those who doubt...

I recently paid off a credit card (Cap1) and paid another down to a $6 balance (OB). I got a 23 point increase when one reported (still waiting on the other to update to zero). Yesterday I got another alert. Cap1 reported a $4 increase and I gained another 7 points. From a $4 increase!! It really made an impression because after reading all the post on UTIL, I know now I didnt fully understand how a percentage point here and there could make such a difference. Thanks to all those who take the time to respond to posts and share your wisdom Smiley Happy
Message 1 of 10
9 REPLIES 9
llecs
Moderator Emeritus

Re: For those who doubt...

Maybe the other had updated to $0? SW wouldn't alert you to that, but any score changes they provide are a net change and not always specific to that alert.

Message 2 of 10
jacq
New Contributor

Re: For those who doubt...

Thought about that too. My CMS is still showing the balance! Perhaps some aging, combined? Who knows, but I'll take every single lil point Smiley Happy
Message 3 of 10
Cadillac-XTS
Established Contributor

Re: For those who doubt...

Congrats

Message 4 of 10
asp123
Valued Member

Re: For those who doubt...

I am working on my utility as welL.  Your news is great encouragement!

 


Starting Score: 9/2012 - 609
Current Score: 11/9/2012 TU 620 11/9/2012 EQ 591
Goal Score: 700


Take the FICO Fitness Challenge




Message 5 of 10
rckstrscott
Valued Contributor

Re: For those who doubt...

Good work!

 

Keep it up

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 6 of 10
Epcot
Valued Contributor

Re: For those who doubt...

Very nice!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 7 of 10
gettnthere
Established Contributor

Re: For those who doubt...

CONGRATS on your point increases!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 8 of 10
Shogun
Moderator Emeritus

Re: For those who doubt...

Strange isn't it?  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!

June 2017 update: All scores over 820, just pure gardening now.
Message 9 of 10
jacq
New Contributor

Re: For those who doubt...

Thanks, everyone. The rise in score is encouraging, but so are the kind words from each of you!

Message 10 of 10
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