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Frequent Contributor
pineappledaydreams
Posts: 257
Registered: ‎04-03-2012

scores went up?

First they sent down after an app spree. Total drop of 10 points each. Got approved for several cards, cap one MasterCard, Walmart card, amazon, applied bank (**bleep** card) not worth applying for the last one. Went from 200 to over 2000 CLI. I figured my scores would drop further cause of AAoA going down. Nope, went up from 627 to 639 and 623 to 632. I'm confused, why the increase? I went from 4 inq to 11+ on each report. I'm not even over a year since last late, .9 months since last negative. AAoA did drop yet I can't add this all up, please help explain? Thank you.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Frequent Contributor
pineappledaydreams
Posts: 257
Registered: ‎04-03-2012

Re: scores went up?

What in god's name is net spend? I got an offer in the mail from them, seem kind of fishy, tossed it to the shredders then burnt the remains.

On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: scores went up?


pineappledaydreams wrote:
First they sent down after an app spree. Total drop of 10 points each. Got approved for several cards, cap one MasterCard, Walmart card, amazon, applied bank (**bleep** card) not worth applying for the last one. Went from 200 to over 2000 CLI. I figured my scores would drop further cause of AAoA going down. Nope, went up from 627 to 639 and 623 to 632. I'm confused, why the increase? I went from 4 inq to 11+ on each report. I'm not even over a year since last late, .9 months since last negative. AAoA did drop yet I can't add this all up, please help explain? Thank you.

Are you looking at a FICO score?

 

Are you comparing the same FICO in the before and after?

 

Did you have any CCs prior to these?

 

Did all of these report?

 

Did util improve due to their reporting?

Frequent Contributor
pineappledaydreams
Posts: 257
Registered: ‎04-03-2012

Re: scores went up?

Fico scores on myfico.

Same fico scores in and out.

One cc prior. 200 limit

Utli didn't change.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

Re: scores went up?

Because you have new positive TLs, it takes generally 3 revolving to get the max advantage of them for your scores.  You have that now.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Moderator Emeritus
llecs
Posts: 32,880
Registered: ‎08-04-2007

Re: scores went up?

And each CC is reporting now?

 

If so, sounds like there's an improved mix of credit, especially after only having one CC. I started with 0 CCs. I saw a gain with my first 3 added, and lost points on the rest.

Regular Contributor
loviedovie
Posts: 206
Registered: ‎12-20-2012

Re: scores went up?

What an awesome surprise! Congrats! :smileyhappy:


Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740

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