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Score went UP!

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2FixMyCredit
Established Contributor

Score went UP!

Soo today I received an update from myFICO and I figured it was to say my score went down from hard inquiries trying to get a secured card but not it went UP 18 points!

 

I have no clue why,  I disputed two collections but I haven't received a final notice on that yet and I GW'd a charge off but again I haven't received anything back about that.  AHH I want to know why LOL I think I'm going to wait until I get the disputes answered and then pay for my transunion. 

 

So excited! Smiley Very Happy

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 1 of 5
4 REPLIES 4
ando35
Frequent Contributor

Re: Score went UP!

It went up because you added revolving credit and/or you lowered your utilization rate by increasing your overall credit. The goal is to use 7%-10% of your availbale credit.

Message 2 of 5
2FixMyCredit
Established Contributor

Re: Score went UP!

No, I don't have any credit or credit cards at all, I was denied all secured cards LOL

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 3 of 5
Epcot
Valued Contributor

Re: Score went UP!

Strange, but congrats on the increase!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 4 of 5
2FixMyCredit
Established Contributor

Re: Score went UP!

After updated credit karma this morning my score on there jumped a whopping 44 points!  I know this is fako but it is still improvement!

 

Two collections were deleted off and hopefully stay off is why the score change happened.  I'm VERY happy about this. 

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Message 5 of 5
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