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Valued Contributor
Duncanrr
Posts: 2,519
Registered: ‎06-08-2012

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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750

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Valued Contributor
rckstrscott
Posts: 2,325
Registered: ‎04-25-2011

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: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Valued Contributor
Jutz
Posts: 1,143
Registered: ‎05-10-2012

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 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800
Valued Contributor
Duncanrr
Posts: 2,519
Registered: ‎06-08-2012

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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Jutz
Posts: 1,143
Registered: ‎05-10-2012

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

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

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012)

Starting total revolving credit: $1100 | Current total revolving credit: $7000

Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013


2013 Goals:
New Car
700 Club
AMEX Member

AMEX Gold NPSL
DCU Visa $2000
Cap1 Cash Rewards $2000
BOA Platinum $600
WalMart $800
Valued Contributor
Duncanrr
Posts: 2,519
Registered: ‎06-08-2012

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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
madmann26
Posts: 1,025
Registered: ‎08-30-2012

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

Congrats!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 642 EQ 658 FICO 5/13/2013 EXP 657
What's in my wallet? Cap1 PLAT AU $750; Cap1 Cash AU $1500; NFCU Siggy $10000; $500 WalMart SC; Chase Freedom $500

Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Duncanrr
Posts: 2,519
Registered: ‎06-08-2012

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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

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

Very nice increase, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12

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