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Holy Crap! 31 pt gain TU Walmart 738!

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Duncanrr
Valued Contributor

Holy Crap! 31 pt gain TU Walmart 738!

I have no idea the exact mixture of reasons and I dont give a rat's bottom!  Talk about a score jump!  31 pt gain.  Now 738!

 

TU Walmart Dec 2012.jpg



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 9
8 REPLIES 8
rckstrscott
Valued Contributor

Re: Holy Crap! 31 pt gain TU Walmart 738!

Good work! I am scared to look at mine..... too much utilzation this month ahah

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 2 of 9
Jutz
Valued Contributor

Re: Holy Crap! 31 pt gain TU Walmart 738!

I'm wondering what sorcery had me lose 2 points at that point in time. By now it's a moot point since I'm up past 650 I'd imagine, with one more collection to drop in the next day or two, but still...what could have happened to lose two points? I'm thinking my older CA dropped first, and some buckety algorithm docked me a couple temporarily 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 3 of 9
Duncanrr
Valued Contributor

Re: Holy Crap! 31 pt gain TU Walmart 738!

Also, my TU on this website has me at 694 (this score was from the same times as walmart's pull).  I know this site uses my charge card in UTIL but talk about a difference...44 pts between the two TU versions!



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 9
Jutz
Valued Contributor

Re: Holy Crap! 31 pt gain TU Walmart 738!

Didnt you let the zync report for high balance this month?

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 5 of 9
Duncanrr
Valued Contributor

Re: Holy Crap! 31 pt gain TU Walmart 738!

Yup. Zync is reporting at 100% UTIL on myfico TU version. That has a good bit todo with it.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 9
madmann26
Valued Contributor

Re: Holy Crap! 31 pt gain TU Walmart 738!

Congrats!

Current FICO 9 Scores



Message 7 of 9
Duncanrr
Valued Contributor

Re: Holy Crap! 31 pt gain TU Walmart 738!

Thanks.  Im closing in on a 200 point gain and ive been at it for only 6.5 months!



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750

Take the FICO Fitness Challenge
Message 8 of 9
Epcot
Valued Contributor

Re: Holy Crap! 31 pt gain TU Walmart 738!

Very nice increase, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 9 of 9
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