EQ Score Increased 25 Points!!!

NYFan63 · ‎07-02-2016

For the last few years, my EQ score has always been about 10-15 points lower than my TU and EX scores. Yesterday I get a MYFico alert saying my EQ score jumped 25 points indicating I qualify for a mortgage with a 3.53% interest rate.

This is the first time my EQ scores are higher than my EX and TU scores. Hopefully they follow...LOL.

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

SouthJamaica · ‎07-02-2016

@NYFan63 wrote:
For the last few years, my EQ score has always been about 10-15 points lower than my TU and EX scores. Yesterday I get a MYFico alert saying my EQ score jumped 25 points indicating I qualify for a mortgage with a 3.53% interest rate.

This is the first time my EQ scores are higher than my EX and TU scores. Hopefully they follow...LOL.

Any information yet on what caused your bump up? That's a pretty sizable one.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

SEG-fenced credit union Platinum Visa 10500

Comenity AAA Travel Advantage Visa $6200

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

NYFan63 · ‎07-03-2016

I am not aware of any info that would increase my score - I have not run my credit report in a while. Maybe some inquiries dropped off.

Penfed Platinum Sig Visa $33k, PenFed PLOC $25k, NFCU Cash VISA Sig 22k, NFCU Visa Flagship 22k, CAP1 Venture $23k, CAP1 Venture One $15k, NFCU NAV Check $15k, Barclays Arrival $13,2k, DCU VISA 5k, Cap1 QS 7.5k, WF Finance 3.5k, Merrick 2.2k, Barclays Apple Financing 6.1k BestBuy 5k >Ch7 BK filed 8/09; DC 01/10 EQ 636 Nov 13;
EQ08 718 | TU 731 | EXP 728
Inqs: EQ 11, TU 8, EXP 11(last 2 yrs)
Goal 750+ In the Garden til

surferchris · ‎07-03-2016

Congrats!

Current Cards:
AmEx Hilton Honors Surpass//AmEx Platinum Card//Ann Taylor Rewards Mastercard//Capital One Platinum Card//Credit One AmEx//Credit One Platinum VISA//Fingerhut//Navy More Rewards AmEx//TruWest Platinum VISA//Aspire VISA//Costco Anywhere VISA//Lowes Advantage//Apple Card
Loans:
1 Mortgage/////Navy FCU Auto Loan (2020 Jaguar I-Pace)//Capital One Auto (2016 BMW i3)
Next Cards (4th QTR 2022):
Navy Flagship Rewards VISA//Chase Sapphire Preferred
Stats:
Scores: 700's // Inq's: 1 for mortgage // Util: 1% // AoOA: 21 yrs

RonM21 · ‎07-03-2016

Nice jump. Congrats.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

SouthJamaica · ‎07-03-2016

@NYFan63 wrote:
I am not aware of any info that would increase my score - I have not run my credit report in a while. Maybe some inquiries dropped off.

I don't think some inquiries would account for 25 points.

Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 687

gdale6 · ‎07-03-2016

@SouthJamaica wrote:
@NYFan63 wrote:
I am not aware of any info that would increase my score - I have not run my credit report in a while. Maybe some inquiries dropped off.
I don't think some inquiries would account for 25 points.

Inquiries that drop at the 2 year mark would give no points as they stop affecting Fico at the 1 year mark.