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Increase!!! What about EX? Ahhhrrggghhh!

Regular Contributor

Increase!!! What about EX? Ahhhrrggghhh!

Saw that my mortgage lender did a second HP yesterday when I checked my USAA this morning so I couldn't resist pulling a SW report....I'm up to 652 from 634 less than 30 days ago! Changes made were: went down to 2% from 9% utilization and had one medical collection removed via GW! At the last pull 634 was my midscore and EX was my high at 639. So if all is equal, I think EX should have increased by ONE point at least. Right??? I actually had TWO collections drop off that one. The medical and one CA I'd settled that felloff! Oh I love MyFico! I should be getting a call any minute from my LO!

Current FICOs (Sept 2015) EQ: 666 TU: 663
Message 1 of 13
12 REPLIES
Moderator Emeritus

Re: Increase!!! What about EX? Ahhhrrggghhh!

EX seems to be a hard one to crack.  Congrats though!

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 2 of 13
Regular Contributor

Re: Increase!!! What about EX? Ahhhrrggghhh!

Thanks Shogun! I will update soon.

Current FICOs (Sept 2015) EQ: 666 TU: 663
Message 3 of 13
Highlighted
Regular Contributor

Re: Increase!!! What about EX? Ahhhrrggghhh!

Shogun you are an awesome cheerleader! I got the 647 on Experian!
Current FICOs (Sept 2015) EQ: 666 TU: 663
Message 4 of 13
Moderator Emeritus

Re: Increase!!! What about EX? Ahhhrrggghhh!

Hip hip hooray!!!!!!   Nice bump there!

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 5 of 13
Regular Contributor

Re: Increase!!! What about EX? Ahhhrrggghhh!

Ex fico?
TU 746 (10/13)
GOAL: 750+






Message 6 of 13
Regular Contributor

Re: Increase!!! What about EX? Ahhhrrggghhh!

@Trans92... Yes that's my EX Fico! Had a repull from my mortgage lender.
Current FICOs (Sept 2015) EQ: 666 TU: 663
Message 7 of 13
Regular Contributor

Re: Increase!!! What about EX? Ahhhrrggghhh!

Lol then nice score. Keep it up. (:
TU 746 (10/13)
GOAL: 750+






Message 8 of 13
Moderator Emeritus

Re: Increase!!! What about EX? Ahhhrrggghhh!

New house time!!! 

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 13
Regular Contributor

Re: Increase!!! What about EX? Ahhhrrggghhh!

@Trans92 Thanks! 8 mos ago it was a 559. @ Shogun.... Underwriting.... Aaaaahhhhh! Lol!
Current FICOs (Sept 2015) EQ: 666 TU: 663
Message 10 of 13