Reply
Contributor
Posts: 204
Registered: ‎04-22-2013
0

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?
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

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. :smileyindifferent:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
Posts: 204
Registered: ‎04-22-2013
0

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.
Regular Contributor
Posts: 230
Registered: ‎04-08-2008
0

Re: Credit Score Up 73 Points in 1 Month?

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

 

:smileylol:

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

Moderator
Posts: 27,205
Registered: ‎09-13-2012
0

Re: Credit Score Up 73 Points in 1 Month?

Contributor
Posts: 204
Registered: ‎04-22-2013
0

Re: Credit Score Up 73 Points in 1 Month?

LOL! But seriously, just don't get it.
Contributor
Posts: 204
Registered: ‎04-22-2013
0

Re: Credit Score Up 73 Points in 1 Month?

Any other thoughts?
Valued Member
Posts: 37
Registered: ‎04-05-2013
0

Re: Credit Score Up 73 Points in 1 Month?

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

transamerica financial adviser, director of expansion.
Contributor
Posts: 204
Registered: ‎04-22-2013
0

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.
Regular Contributor
Posts: 232
Registered: ‎02-02-2012
0

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



Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.