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04-02-2013 01:05 PM
I had finally got a 3point but but sure would happy if my phone would sound off telling me I got another 1 point bump any time now!
04-02-2013 05:19 PM
I got nothing....I should get a bump soon. I had (3) 30 day lates fall off for March and I paid off my CapOne to 0. I left $250 on my Cap One last month thinking my new CU CC would report but it didn't so it showed 50% utilization on a $500 card. But now my CU card is reporting with $10 left on it and my CapOne reports on the 11th with a 0 balance so let's see what a 1% utilization shows on my report.
If I don't get a bump out of those 5 elements I'm done worrying about it.
I find it funny that so many people on here are in hock over their butts with CC/student loan/auto loan/etc debts and their getting all kinds of bumps by making their accts current and here I never I had a credit card my entire life until this CapOne 2 years ago and I was responsible by never making the debts and living within my means and I can't make my score go up for squat.
04-02-2013 08:43 PM
I know what you mean! I have some baddies on mine that I have no choice but to wait to fall off. Tax Lein etc. While I think what people are getting the biggest bumps from is getting collections and lates etc removed, which means they had more junk on thiers than I do on mine but different junk. I seen one person get a judgement removed which is a biggy and no score bump.
I bet with you getting UTL down to 1% and lates removed that will get you a bump!
I think the UTL is also one of my major hold backs on mine, being AU on DH card and they are up there in balance. If I remove myself as AU, I will take a hit for shorter credit history, if I stay I take a hit for higher UTL. Pick your poision. My choice is to work on paying down his UTL and pray for a wiggle bump!!
You could also add another CC to yours and it will go up. I took a small ding at first when the 4th one was added but will improve as it ages, but 1-3 gave me nice bumps.
The best time to have credit is when you dont need it!! I wasnt there for a long time, but now I handle it all differenlty and dont need it, just want it to bump my score and improve my overall credit.
04-03-2013 04:53 AM
OMG!!! I know its a FAKO but my CK went up 6pts and my Vantage score went up 28pts to 667. Which means......nothing. But hey it's movement! Im not sure why it went up my CapOne doesn't report until the 11th so I'll research it tonight. I'm glad I went the www.eliminateidtheft.com. It's $4.95 a month and I can pull my credit report as often as I like. Their scores are FAKO junk which are wayyyyy below my true scores but it gives me instant access to my reports.
But in the moment I will celebrate my fix...I mean my credit score adjustment......oh yeah baby...right there! ooooooooooooooooh yeah!
04-03-2013 05:46 AM
How did you get it for 4.95 a month? Its a daily puller for me , but I have to wait 24hrs and 1 min between updates of all 3 reports. @17.95 month for me and spose. single shows 12.95. If I update before 24hrs 1 min it only updates my TU. Congrats on the 6pt fako bump...its doing something!!
04-03-2013 05:55 AM
Congrats! A bump is a bump! At least we know even if we only get one, we are doing something right! Much better than a -1 bump! Been there.. it sucked lol!
04-03-2013 05:56 PM
I meant $12.95 or whatever....the TU thing is $4.95. I was on such a buzz from my fix..I mean bump that I was delusional!
04-03-2013 06:11 PM
20 TU points today! I needed it bad. I also identified why my TU is lagging behind my other scores. Eyes on the prize with fixing that problem!