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Credit Score Up 73 Points in 1 Month?

Contributor

Credit Score Up 73 Points in 1 Month?

Ok...I closed my Credit One account last month but still have access to my account data. Checked today just to see if on-line account had been closed yet and it hadn't. What I was most suprised by was my credit score. My May 2013 score was at 680 and my June 2013 score is at 753. From what I've read this score is a FICO score I'm just not sure which one. Trust me I'm not complaining just confused.

In last month the following has occurred:

Closed Credit One account
Closed Target Account
Utilization was at 5% now at 1%
4 App's all approved FNBO AMEX, 2 Chase CC's and an AMEX PRG(even though I don't think the AMEX Inq has hit CR's yet)

No bads fell off because I didn't have any. Any thoughts?
Message 1 of 17
16 REPLIES
Mega Contributor

Re: Credit Score Up 73 Points in 1 Month?


nvrgvupnvrsrndr wrote:
Ok...I closed my Credit One account last month but still have access to my account data. Checked today just to see if on-line account had been closed yet and it hadn't. What I was most suprised by was my credit score. My May 2013 score was at 680 and my June 2013 score is at 753. From what I've read this score is a FICO score I'm just not sure which one. Trust me I'm not complaining just confused.

In last month the following has occurred:

Closed Credit One account
Closed Target Account
Utilization was at 5% now at 1%
4 App's all approved FNBO AMEX, 2 Chase CC's and an AMEX PRG(even though I don't think the AMEX Inq has hit CR's yet)

No bads fell off because I didn't have any. Any thoughts?

Something significant happened your not seeing. Smiley Indifferent




EQ FICO 548 3/3/16
Message 2 of 17
Contributor

Re: Credit Score Up 73 Points in 1 Month?

From what I've read here the Credit One FICO is Experian. Maybe I reached an AAoA but don't think that's it either. My relovers average is something like 1.3 years.
Message 3 of 17
Regular Contributor

Re: Credit Score Up 73 Points in 1 Month?

Even FICO knows Credit One is bad, thus the increased! 

 

Smiley LOL

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Message 4 of 17
Moderator Emerita

Re: Credit Score Up 73 Points in 1 Month?

Message 5 of 17
Contributor

Re: Credit Score Up 73 Points in 1 Month?

LOL! But seriously, just don't get it.
Message 6 of 17
Contributor

Re: Credit Score Up 73 Points in 1 Month?

Any other thoughts?
Message 7 of 17
Highlighted
Valued Member

Re: Credit Score Up 73 Points in 1 Month?

LOL, i'm cracking here...that was funny!

transamerica financial adviser, director of expansion.
Message 8 of 17
Contributor

Re: Credit Score Up 73 Points in 1 Month?

Sure wish I had another resource for Experian FICO to verify accuracy. Credit Sesame says I'm at 742.
Message 9 of 17
Regular Contributor

Re: Credit Score Up 73 Points in 1 Month?

I don't think the Credit One score is a true FICO score. My wife has a Credit One card and I can't find where it claims to be a FICO. Just says credit score.

Wallet:
CapOne QuicksilverOne $500/VS $700/Express $500/Walmart $2000/Old Navy $600/SC Telco Visa $1K/HH Gregg $1500/Target REDcard $200



Message 10 of 17