Understanding FICO® Scoring

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Frequent Contributor
TrishN
Posts: 404
Registered: ‎11-05-2012

Scores increase.

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‎11-22-2012 12:00 PM

My score from 582 up to 615. Balance same. Just 3 CA disputed has been update samething and 2 inquiries . How can my EQ fico score went up more than 20 pts like that?

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Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: Scores increase.

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‎11-22-2012 12:13 PM

Congrats on the increase! Perhaps something aged to a point where it doesn't hurt as much?
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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RonDawg
Posts: 305
Registered: ‎10-19-2012

Re: Scores increase.

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‎11-22-2012 01:56 PM

yeah congrats, I have found AAoA has a lot to do with credit scores going up and UTL has a lot to do with them going down.  Removal of inquiries also plays a factor. If you have a BKO the older it is the less impact it has on your score as well.  This is also true of accounts that have negative information reported about them.  If you didn't do a thing at all nothing new that is, over time your credit score would go up no matter.

-Ouch Fell out of the Garden-
AMEX PR Gold, AMEX Blue cash (15k), AMEX Delta (5k), US Bank Premier Line (14.5k), US Bank Cash + (5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (3.25k), Alerus Financial Visa Signature issued by Elan (10k) and JCPenney (5k..Oldest Account 20 Years)
FICO Score = 785 TU & 739 EQ Goal is 800 TU & 750 EQ
CreditKarma score = 762, CreditSesame score = 780, Vantage = 861
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