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

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 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
0

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): 09/14: TU: 784 | EQ: 752 | EX: 784
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


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

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

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 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: 1,228
Registered: ‎05-10-2012
0

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

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 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: 1,546
Registered: ‎08-30-2012
0

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

Congrats!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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My Journey
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

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 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: Holy Crap! 31 pt gain TU Walmart 738!

Very nice increase, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
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