So i checked my eq fico and was sad to see i had a 4 pt drop. Originally i thought this small ding may have been from recently paying off my car loan. However that hasn't updated yet. My best guess is that its due to all 5 of my cc's currently reporting a $0 balance. However, in about another week my nfcu card will report a less than 1% util balance so hopefully i'll get those points back. On a happy note, i noticed that an old 30 day late that should have fallen off in 1/13 is already gone. Sadly, myfico still has it flagged as anegative acct. 2 out of 4 of my accts flagged as negative should no longer be negative. I really need to get serious about manipulating my util % reporting.
Starting FICO 667 (5/2012) EQ 672 (7/2012) EQ. 681 (8/1/12) EQ Current FICO 682 (10/13/12) EQ; 718 (10/13/12) TU Goal: 760+ but 700-720 by jan 2013 No new apps tll jul 2013