Understanding FICO® Scoring

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Established Contributor
jcstarkey8826
Posts: 680
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 Store Card 1800 CL, Kay Jewelers 3000 CL
Message 11 of 14 (257 Views)
 
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Valued Contributor
creditnocash
Posts: 1,922
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 FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Message 12 of 14 (213 Views)
 
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Established Contributor
jcstarkey8826
Posts: 680
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 Store Card 1800 CL, Kay Jewelers 3000 CL
Message 13 of 14 (189 Views)
 
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Valued Contributor
creditnocash
Posts: 1,922
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 FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Message 14 of 14 (181 Views)
 
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