cancel
Showing results for 
Search instead for 
Did you mean: 

WHAT IN THE WORLD JUST HAPPENED?????

tag
FSUGAPEACH78
Regular Contributor

WHAT IN THE WORLD JUST HAPPENED?????

I just received an alert and my scores just jumped 30 points! SERIOUSLY???!! I'm a little nervous because I think it might be  a fluke!?????? Smiley Happy Smiley Happy 

Message 1 of 5
4 REPLIES 4
mauve
Valued Contributor

Re: WHAT IN THE WORLD JUST HAPPENED?????

hah - I had this happen.  It's dropped since then, though.  The alerts give you theories that are pretty vague.  My score jump reason was listed as aging of bad stuff, continued payments.


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


Take the myFICO Fitness Challenge
Message 2 of 5
FSUGAPEACH78
Regular Contributor

Re: WHAT IN THE WORLD JUST HAPPENED?????

How much did your score drop? It's weird because it didn't give a reason for my increase?

Message 3 of 5
mauve
Valued Contributor

Re: WHAT IN THE WORLD JUST HAPPENED?????

I gained 41 points with this reason:

Your FICO score may have gone up because the following 4 factors are not hurting your FICO score as much as before:

  • You have a public record or collection on your credit report.
  • You have a recent public record or collection on your credit report.
  • You have a short credit history.
  • You've made heavy use of your available revolving credit.

 

I lost points for derogatory / late payment / collections (but there weren't any new ones, so I dunno why).  I suspect it was a balance increase on my Chase card, but next time it reports, I feel like I'll go back up.


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


Take the myFICO Fitness Challenge
Message 4 of 5
FSUGAPEACH78
Regular Contributor

Re: WHAT IN THE WORLD JUST HAPPENED?????

That's the exact 4 reasons it gave me! Weird!

 

Oh well I LOVE seeing my score above 600.....I still have a loooooong way to go, but much  better than 480 which is where I was when I began this journey in Jan Smiley Happy 

Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.