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No idea why - 32 pt JUMP, 661 EQ

Valued Contributor

No idea why - 32 pt JUMP, 661 EQ

No idea why but just got SW alert. My EQ jumped 32 pts to 661!!! I don't care about the specific reasons. It was probably my excellent credit habits over the last 3 months.

I get TU quarterly report on 6/12 so hoping for jump there. Perfect timing as I need to get LOC to repair storm damage.


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
Message 1 of 15
14 REPLIES
Moderator Emeritus

Re: No idea why - 32 pt JUMP, 661 EQ

Sounds like something dropped.

Message 2 of 15
Valued Contributor

Re: No idea why - 32 pt JUMP, 661 EQ

I'll have to check my USAA report and see if I have any changes.


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
Message 3 of 15
Valued Contributor

Re: No idea why - 32 pt JUMP, 661 EQ

Its the beginning of a new month, so your AAoA could have hit a new level as well.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 4 of 15
Valued Contributor

Re: No idea why - 32 pt JUMP, 661 EQ

I looked at USAA and nothing was removed. So it was probably aging of badies and AAoA. My new credit cards aren't 6 months yet so probably not that. Maybe a little from paying on time.

No telling. Just happy. EQ is my worst score. This almost gets me to 680. I was feeling my scores had stalled. This was an extremely nice surprise after being withou power for over 100 hours and having storm damage my home.

Does EQ give you a named storm adjustment?? Smiley Wink



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
Message 5 of 15
Moderator Emeritus

Re: No idea why - 32 pt JUMP, 661 EQ

Anyway....  Congrats!

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 6 of 15
Highlighted
Valued Contributor

Re: No idea why - 32 pt JUMP, 661 EQ

Thanks.  Still havent figured out why my score increased.  I will pull EQ report on 9/12 (this is when I get my TU quarterly report and want both from same day).  Here is graph of my EQ progress.  TU is better but for some reason they dont have same graph for TU service (wish they did).

 

Jun to Sept.png



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
Message 7 of 15
Member

Re: No idea why - 32 pt JUMP, 661 EQ

congratulations.....how did your score jump 100 points in less than 3 months? what was the key issue that led to that score increase? was it paying down credit cards to zero, getting collections off of your report, or a combo of both?

Message 8 of 15
Established Contributor

Re: No idea why - 32 pt JUMP, 661 EQ

^ I'd like to know this also!
Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 9 of 15
Valued Contributor

Re: No idea why - 32 pt JUMP, 661 EQ

I didn't have any open credit cards, I had sworn them off. I opened two secured cards and kept only one reporting a balance around 2% UTIL. I paid old charge off. This took utilization from 115% to around 1%.

Removed all collection accounts. I PFD one and paid/GW the other two v

I disputed two old accounts that were not reporting correctly. One was past 7 years and the other had inaccuracies in report. Both were deleted.

Basically went from 10 or 11 bad accounts down to 4. I'm still working on those now (SM student loan x2, Verizon CO and cap1 auto). It's been a lot of work. But gained 110 in EQ in under 3 months v


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
Message 10 of 15