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.
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.
I'll have to check my USAA report and see if I have any changes.
Its the beginning of a new month, so your AAoA could have hit a new level as well.
EX:694 TU:744 EQ:777
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??
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??
Anyway.... Congrats!
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.
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).
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
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