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Established Contributor
guydiver
Posts: 544
Registered: ‎08-30-2007
0

SCOREWATCH ALERT!

AAAWWWWW man........Got two cards paid off.  Still two more to go.  I got 8 points for my efforts.  Still have baddies.....and over 30% util.  But I got a plan.......Gonna have a 800 party, everybody invited. :smileyvery-happy:

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 760 all 3.

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 730ish, TU 747(Barclay), EX 740(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 11.5K, Travelocity AMEX 18.9K
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Regular Contributor
K_J
Posts: 209
Registered: ‎01-31-2012
0

Re: SCOREWATCH ALERT!

Congrats

Starting Score: EQ: 532, EX: 569, TU: 621 (All lender pull 10/15/11)
Current Score: EQ: 660,lender pull 4/13, EX: 671 lender pull 4/13, TU: 691 lender pull (4/13)
Goal Score: 700


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Established Contributor
2NE1
Posts: 999
Registered: ‎12-06-2011
0

Re: SCOREWATCH ALERT!


guydiver wrote:

AAAWWWWW man........Got two cards paid off.  Still two more to go.  I got 8 points for my efforts.  Still have baddies.....and over 30% util.  But I got a plan.......Gonna have a 800 party, everybody invited. :smileyvery-happy:


you're saying that because your balance amount changed to $0 on two cards you got 8 point increase? I thought they didn't send an alert whenever balances decrease... at least that's what I was told. "SW alerts you only when balances increase" :smileyindifferent:


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Frequent Contributor
Adalen
Posts: 353
Registered: ‎05-01-2007
0

Re: SCOREWATCH ALERT!

It doesn't.  The SW alert was probably because the FICO score changed and not due to the balance decrease.  The balance decrease effects your utility and the lowered utilization is probably what caused a score increase and the score increase triggered the SW alert.

 

Looks you've come a long way!  Congrats!  Hope to be in your shoes someday. :smileyhappy: I also had a SW alert for increased score after a new account started reporting.  Small, but I'll take it.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
Established Contributor
2NE1
Posts: 999
Registered: ‎12-06-2011
0

Re: SCOREWATCH ALERT!


Adalen wrote:

It doesn't.  The SW alert was probably because the FICO score changed and not due to the balance decrease.  The balance decrease effects your utility and the lowered utilization is probably what caused a score increase and the score increase triggered the SW alert.

 

Looks you've come a long way!  Congrats!  Hope to be in your shoes someday. :smileyhappy: I also had a SW alert for increased score after a new account started reporting.  Small, but I'll take it.


I noticed you have Apple on your wallet... as in APPLE FCU? so you're from VA as well? I recently got my car refinanced thru them! they lowered my 26.99% car loan interest to a 9.24%! they're my new fave bank! :smileywink:


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Frequent Contributor
Adalen
Posts: 353
Registered: ‎05-01-2007
0

Re: SCOREWATCH ALERT!

No, I actually didn't know there was a CU called Apple! lol  My Apple card is in reference to the computer manufacturer and financed through Barclay Bank.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.
Established Contributor
2NE1
Posts: 999
Registered: ‎12-06-2011
0

Re: SCOREWATCH ALERT!


Adalen wrote:

No, I actually didn't know there was a CU called Apple! lol  My Apple card is in reference to the computer manufacturer and financed through Barclay Bank.


LOL! :smileylol: that was my second guess!


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Established Contributor
guydiver
Posts: 544
Registered: ‎08-30-2007
0

Re: SCOREWATCH ALERT!

Yes, the alert came from a EQ score increase. I figured I would get a bump when those two cards reported $0 balance. I should get another bump when the third card is paid. That will put me at <50% of revolving accts. reporting a bal., then another when I get below 30% util. I set my score watch to my current score so it alerts for any score change. I also have baddies due to fall off. That's the wildcard that should get me close to 800.
MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 760 all 3.

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 730ish, TU 747(Barclay), EX 740(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .:smileyvery-happy:
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 11.5K, Travelocity AMEX 18.9K
:
Take the FICO Fitness Challenge





Valued Contributor
GoodCredBen
Posts: 1,533
Registered: ‎10-25-2011
0

Re: SCOREWATCH ALERT!

you will see most of your scoring come once you get that util below 30% :smileyhappy: llecs has a guide out on it...

----- IF you find my post helpful, Select the star in the KUDOS button! :smileyhappy:
Starting Score: 512 10/2011 Current Score: EQ: 686 | TU: 689 | EX: 661
In My Wallet: SFCU Visa: $10,000 | UECU Visa: $5000 | WellsFargo: $3900 | Cap1 QS: $3500 | Cap1 QS: $3000 | Cap1 AU: $1750
Gardening Since: 6/1/2014
May the debt elimination begin! 9680/27150
Member
rx30
Posts: 8
Registered: ‎04-02-2007
0

Re: SCOREWATCH ALERT!

Was it your FICO score that jumped.  Im asking because I just within the last month paid 5 credit cards to zero and another 2 to balances of less than 35% util.  I havent seen a score change or alert yet.  Im really trying to be patient here. Any pointers.


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