Is there such thing as temporary increase?

Mama-j · ‎12-07-2012

Hi all,

This is my first post ever. I just started this journey to build back my credit score a couple of days ago. I pulled and dispute 3 accts that were showing late payments online with all 3 credit bureaus and signed up with score watch on 12/5 and today I've got a email alert that my EX fico score went up from 599 to 606 due to changes to those 3 accts. is it really possible for my score goes up this fast? I thought it might take several weeks. This not just a temp increase right? I'm tempted to pay for EX credit report right now To check what happened.

Starting Score: 2/22/12: EQ 530, TU 553, EX 528(lender). 12/4/12 (rebuilding starts)= EQ 599.
Current Score: 3/2/2013: EQ 705, TU FICO 702, EX 699(CU pulled).
Goal Score: 750 all across.

Take the FICO Fitness Challenge

sphinx313 · ‎02-12-2011

Well I had the same thing happen to me, only it was about 16 points. I'm not sure if it's "temporary" or what but I'll take 'em for a little encouragement right now lol.

Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700

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Shogun · ‎04-15-2011

Sure it can go up. You will see scores fluxuate up and down a bit. Just work on keeping your payments on time and build new credit while trying to clean bad credit.

Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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rckstrscott · ‎04-25-2011

Mama-j wrote:
Hi all,
This is my first post ever. I just started this journey to build back my credit score a couple of days ago. I pulled and dispute 3 accts that were showing late payments online with all 3 credit bureaus and signed up with score watch on 12/5 and today I've got a email alert that my EX fico score went up from 599 to 606 due to changes to those 3 accts. is it really possible for my score goes up this fast? I thought it might take several weeks. This not just a temp increase right? I'm tempted to pay for EX credit report right now To check what happened.

You cannot purchase your Experian FICO, so did you mean Equifax?

And your score is a reflection, or snapshot, of any given moment. Your score can fluxate day to day depending on scoring factors.

Your score can go up or down every single time that snapshot is taken. For me, my score changes almost daily as I have 10 accounts that can wildly swing on balances. So my score can deviate between 60-80 points any given month.

Understanding WHY is the real key.

-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

tmobileguy · ‎11-16-2012

When you disputed those lates it took them out of score factoring so mostly that is what is making it go up...if they verify them and it is no longer under dispute then most likely your score will return to what it should be...

Starting Score: EQ 575 EX 595 TR 524
Current Score: EQ 643 EX ??? TR 638
Goal Score: EQ 300 EX 300 TR 300

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Rebuilding Your Credit

Is there such thing as temporary increase?

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Re: Is there such thing as temporary increase?

Re: Is there such thing as temporary increase?

Re: Is there such thing as temporary increase?