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Regular Contributor
scmami
Posts: 195
Registered: ‎01-05-2012
0

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!

Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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!
Regular Contributor
scmami
Posts: 195
Registered: ‎01-05-2012
0

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

Thanks Shogun! I will update soon.

Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
Regular Contributor
scmami
Posts: 195
Registered: ‎01-05-2012
0

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

Shogun you are an awesome cheerleader! I got the 647 on Experian!
Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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!
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

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

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






Regular Contributor
scmami
Posts: 195
Registered: ‎01-05-2012
0

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

@Trans92... Yes that's my EX Fico! Had a repull from my mortgage lender.
Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

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

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






Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

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!
Regular Contributor
scmami
Posts: 195
Registered: ‎01-05-2012
0

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

@Trans92 Thanks! 8 mos ago it was a 559. @ Shogun.... Underwriting.... Aaaaahhhhh! Lol!
Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
Matthew 7:1 KJV
Judge not, that ye be not judged.

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