Understanding FICO® Scoring

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Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012

Re: anyone want to take any guesses?

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‎09-21-2012 08:51 PM

Only one new account reported so far, no change. Still waiting for Kay's and chase. :smileyhappy:
In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
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Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: anyone want to take any guesses?

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‎09-25-2012 07:59 PM

chase took forever to report for me. walmart reported like two days after i applied. 

 

now waiting for toyota auto loan. 

amex(wont effect util since its charge)

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
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Established Contributor
jcstarkey8826
Posts: 704
Registered: ‎06-01-2012

Re: anyone want to take any guesses?

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‎09-26-2012 11:26 AM

Well they all reported today. My AAOA dropped to 1 yr 11 mo. :smileysad: I haven't pulled my FICO yet, but I will when I'm back from vacation. My ck score dropped 60 points though! Ugh
In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
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Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: anyone want to take any guesses?

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‎09-26-2012 01:34 PM

like stated in other threads i wouldnt worry about it. 

i had a new cc from citizens report new balance my aaoa dropped and score went up from 692 to 708. 

ck only went up 4 points at 653 right now. 

 

at least im not getting those credit counsling adds anymore since there is nothing wrong with my credit lol. 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Message 14 of 14 (344 Views)
 
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