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EQ FICO 684

Senior Contributor

EQ FICO 684

So I'm a little bit flabbergasted...

My baddie was removed from EQ a couple of months ago.

My FICO was 688 when Discover approved me in October with the baddie...

Bah...I thought I was closed to 740:-(

Guess I'm really in the garden now :-(
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 1 of 15
14 REPLIES
Established Contributor

Re: EQ FICO 684

You've been rebucketed.  It will rise.

Message 2 of 15
Contributor

Re: EQ FICO 684


djrez4 wrote:

You've been rebucketed.  It will rise.


Rebucketed? what's that?

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Message 3 of 15
Senior Contributor

Re: EQ FICO 684

I think maybe it means my scores have only dropped temporarily
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 4 of 15
Highlighted
Established Contributor

Re: EQ FICO 684

how many inquiries did you have on EQ over the past year?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 5 of 15
Frequent Contributor

Re: EQ FICO 684

When your credit profile changes because of events you are calculated against different scorecards.  If you have a baddie and it drops off, you move to a different scoring criteria for profiles without baddies.  That's a simple as I can put it.  There are threads here explaining rebucketing in more detail.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Message 6 of 15
Established Contributor

Re: EQ FICO 684

I will see you in the garden, I am in the same boat as you are, it sucks but nothing time cant fix !!

 

Cheers John

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Message 7 of 15
Valued Contributor

Re: EQ FICO 684


dodgeball wrote:

I will see you in the garden, I am in the same boat as you are, it sucks but nothing time cant fix !!

 

Cheers John


+1 See you in the garden


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 8 of 15
Contributor

Re: EQ FICO 684

It's going to be a garden party!

I'm there also now that I got approved for Amex. 

I shouldn't be itchy for at least 6 months Smiley Very Happy


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Message 9 of 15
Moderator Emeritus

Re: EQ FICO 684

I'm moving this from Credit Cards to Understanding FICO Scoring. I agree that you've most likely been rebucketed. You should be able to receive additional comments from UFS forum participants that may prove helpful to you.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 10 of 15