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EQ +33 & TU +25 & I have no clue why

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SouthJamaica
Mega Contributor

EQ +33 & TU +25 & I have no clue why

Wow.

My scores had been stuck in a narrow range for the longest time.

Then today I got a 33 point pop in Equifax, and a 25 point pop in TransUnion, both of which take me to my highest scores since I started tracking my scores.

 

And I do not have a clue as to why. Nothing appears to have changed except higher utilization than the month before.

 

Can it be that the new year causes a score increase?

 


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 691

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2 REPLIES 2
Aahz
Established Contributor

Re: EQ +33 & TU +25 & I have no clue why

The new year in and of itself doesn't effect scores.

 

However if your AAoA increased past a certain threshold you could have been moved to a new scorecard/bucket.  

 

And according to your sig your last app was in late December.  DId that new card possibly report today, bettering your utility?

Message 2 of 3
SouthJamaica
Mega Contributor

Re: EQ +33 & TU +25 & I have no clue why


@Aahz wrote:

The new year in and of itself doesn't effect scores.

 

However if your AAoA increased past a certain threshold you could have been moved to a new scorecard/bucket.  

 

And according to your sig your last app was in late December.  DId that new card possibly report today, bettering your utility?


No, I was turned down for that card Smiley Happy

 

And my utilzation is worse, not better, than it was last month (2% vs below 1%).


Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 691

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