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New Contributor
maximiliano
Posts: 65
Registered: ‎11-25-2013
0

Plus score jumped 24 pts, good news to end the year :)

Got a nice jump on my EX plus score today (from 677 to 701), not sure if there was an equivalant jump on my actual FICO score though. I added 4 CCs to my profile in the beggining of Dec. but only two are reporting so far (the lowest limits of the bunch). I am SUPER curious to see how the others will affect my score once they start reporting - my AAoA will be affected, but it'll add $7,750 CL to my CR. This was a good note to end the year in :smileyhappy:

 

Also, not sure how/why a $500 express card caused my risk level to be changed to low *shrug*.

 

WFNNB/EXPRESS was listed as a new account on your Credit Report
Reported on 12/31/2013 by Experian
Your Experian Credit Score increased by 24 point(s)
Reported on 12/30/2013 by Experian
Your Risk Level changed to Low
Reported on 12/30/2013 by Experian

$7,000.............$6,700...............$1,250...............$1,500...............$1,500.............$820................$750(AU).........$500..............
Starting Score: 577 (08/2012) Current Score: EQ: 675 (2013) | EX: 686 (04/14) | TU: 700 (Barclay FICO)
Last app: 04/28/14. In the garden until 12/2014 (updated 07/14)
Valued Contributor
gdale6
Posts: 9,361
Registered: ‎12-13-2013
0

Re: Plus score jumped 24 pts, good news to end the year :)

Congrats to your success :smileyhappy:

 

The plus score is a different animal over FICO score, your risk level changed because of they way it calculates the score. In my experience with the EX plus score my corresponding FICO has been within +- 30 points.

EX Cred Ses 12/14: 796 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 11/14: 793
EQ Fico 05/14 781 ; EQ MPM 12/14: 750
TU Fico 8 12/14: 719; TU MPM 06/14 706
New Contributor
maximiliano
Posts: 65
Registered: ‎11-25-2013
0

Re: Plus score jumped 24 pts, good news to end the year :)


gdale6 wrote:

Congrats to your success :smileyhappy:

 

The plus score is a different animal over FICO score, your risk level changed because of they way it calculates the score. In my experience with the EX plus score my corresponding FICO has been within +- 30 points.


Thanks :smileyhappy:

Actually my Barclays TU FICO updated today and it also went up, albeit only 7 points, i'm still stoked!! Also, my car loan finally started reporting today and it didn't affect my Exp "plus" score...phew!

 

These improvements are really making me itch to apply :smileytongue:




$7,000.............$6,700...............$1,250...............$1,500...............$1,500.............$820................$750(AU).........$500..............
Starting Score: 577 (08/2012) Current Score: EQ: 675 (2013) | EX: 686 (04/14) | TU: 700 (Barclay FICO)
Last app: 04/28/14. In the garden until 12/2014 (updated 07/14)
Senior Contributor
baller4life
Posts: 3,942
Registered: ‎09-13-2013
0

Re: Plus score jumped 24 pts, good news to end the year :)

Congrats!! Keep up the good work. 



GARDENING: 12/9/14 - 10/1/15 EQ: 644 EX: 688 TU: 691
MY WALLET: $10k NFCU CASH|$10k BOA CASH|$10k DINER'S CLUB PREMIER|$9k AMEX DELTA
$7.5k NFCU PLAT MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART|$3k BARCLAYS US AIRWAYS
$2.5k CHEVRON|$1k BARCLAYS RING|$1k BARCLAYS RMC|$1k CARE CREDIT|$1k CITI DIAMOND PREFERRED

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