score bump

[lincar66]

That sweet myfico alert sound went off on my phone. So I logged in and checked and I got a 12pt bum on eq and a 8 pt jump on ex haven't seen what tu alert yet but it was due to my balance going from1690 out of 2k to 791 out of 2k can't wait till I can't get only one card reporting a balance between 1-9% to see were my scores go currently at eq-619 tu-642 still waiting for the score alert and ex-654.

Cant wait till march next year I will get rid of a ton of inq and all my new accounts will be at 1year old with only derog being a c/o car loan from 6/14 do you think I can crack 700 with that aging and all new good info and util % at 1-9% on one card. Still waiting for finger but c/o to get deleted from all three wondering if I will receive bump for that.

[biglista88]

I can't say for certain because everyone's CR is different but I will say that I'll be in the 700' next month and I have a judgment on one report that I'm confident will reach 700. TU currently 671 with 12% UTI. I'm waiting for it to update to my actual 1% current UTI. Then letting the accounts age will do the rest of the work. Good luck and it can be done.

[lincar66]

Just got the alert for tu got a 10pt bump at 652 when I run the simulator on ex and eq it says just making payment on time for 2 years takes both into 690s and I think most pts have to do with util% and number of cards reporting a balance and also I have that one c/o getting deleted so I don't know I'm very curious

[ah32]

I got an 8 point bump last night. I paid off a medical collection that will be removed next week, so I thought it was early. I'm anxious to see how this will affect me! I'm at 611 on Transunion now. My student loans will be rehabbed in June, so I'm hoping by the end of the summer I'll have a decent score! I swear I'm addicted to these forums!

[lincar66]

Is that your only collection I can't wait till my report is low util% I will be so close to 700 then the only thing helping g me is time

[ah32]

No, I have a few more collections that I'm working on getting removed. They will age off this year! I have no idea what to expect, but with accounts aging off, my student loans rehabbing, and my new accounts becoming more established, it's going to be a better year! I have to get my utilization down on these small store cards I recently received. They have certainly helped my scores, but I need to figure out their schedule of when they report!

[biglista88]

As far as the simulator goes, I've been seeing much larger increases than they predicted. I hope that remains true for you guys as well. Instead of the 45pt increase I was hoping for, I woke up to a 73 pt increase on EX.

[lg8302ch]

Nice......do we love these alerts ... hope you get a real loud one as soon as the collection is gone !

[biglista88]

Get that UTI down and watch those scores rocket up!

[elim]

---

@lincar66 wrote:

That sweet myfico alert sound went off on my phone. So I logged in and checked and I got a 12pt bum on eq and a 8 pt jump on ex haven't seen what tu alert yet but it was due to my balance going from1690 out of 2k to 791 out of 2k can't wait till I can't get only one card reporting a balance between 1-9% to see were my scores go currently at eq-619 tu-642 still waiting for the score alert and ex-654.

Cant wait till march next year I will get rid of a ton of inq and all my new accounts will be at 1year old with only derog being a c/o car loan from 6/14 do you think I can crack 700 with that aging and all new good info and util % at 1-9% on one card. Still waiting for finger but c/o to get deleted from all three wondering if I will receive bump for that.

---

  lol, that alert scares me!    congrats on thne bump