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Opting Out

New Contributor

Opting Out

So I opted out and maybe 4 days later I got a 29 point score increase and 6 of my charged off accounts now say zero balance I'm excited but just wondering if this happened to anyone else? And if I opt back in will it change ??
Fico=642 Exp=680(perCU) TU=660
Goal=anything over my current scores,,,,,,
Message 1 of 6
5 REPLIES
Established Contributor

Re: Opting Out

That is odd,I'm curious too...


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Message 2 of 6
Senior Contributor

Re: Opting Out

I have opted out, never got any point increase.

Message 3 of 6
Valued Contributor

Re: Opting Out

It's a myth...IMO

 

*8/10/13
Message 4 of 6
Moderator Emeritus

Re: Opting Out

Purely coincidental.  Opting out doesn't affect your score.

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 6
Established Contributor

Re: Opting Out


Quantarra wrote:
So I opted out and maybe 4 days later I got a 29 point score increase and 6 of my charged off accounts now say zero balance I'm excited but just wondering if this happened to anyone else? And if I opt back in will it change ??

Could be a mere coincidence now that I think about it. When were your charge-offs supposed to fall off? It could be other factors such as lowering your util, AAoA growing, etc. Check your entire CR to be sure.


2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Message 6 of 6