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All I know is that I'm pitifully grateful for the bones that FICO has recently thrown me. Although by golly, they owe me after the bucket thing!
fused wrote: I could be wrong, but with some of the crazy things I've been reading lately who really knows. I have read about a judgment less than two years old being deleted and no change in scores, having 80% util on a single credit card and no adverse affects to scores and a 6.75 year old collection falling off of a report with a 56 point gain. The FICO algorithm is juiced!
@Anonymous wrote:
How about my $50K HELOC with ZERO effect on all 3 scores?
@haulingthescoreup wrote:
@Anonymous wrote:
How about my $50K HELOC with ZERO effect on all 3 scores?
See? How weird is THAT? So it must be that it's being treated strictly as installment/ mortgage, because changes there don't seem to do anything much, at least not on my reports.
Timothy, have you already used all of your HELOC? I'm at 24% util on mine, and I'm curious what difference if any that might have versus having used 100% of it.
@Anonymous wrote:@Alrighty then..EX has updated to current. Reporting 6 cc's @ balance $0 and 1 CC @ $3. Score went from 692 to 729.Now if EQ and TU follow suit and give me 37 points each, I will make over 760 on both of those....**wishful thinking on my part I know***...
@Anonymous wrote:@Alrighty then..EX has updated to current. Reporting 6 cc's @ balance $0 and 1 CC @ $3. Score went from 692 to 729.Now if EQ and TU follow suit and give me 37 points each, I will make over 760 on both of those....**wishful thinking on my part I know***...
@Anonymous wrote:
How about my $50K HELOC with ZERO effect on all 3 scores?
My HELOC is under mortgages and does not report as util
And there are rumors of CL of $50K and above not being counted as revolving