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Valued Contributor
Posts: 2,691
Registered: ‎09-26-2011
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manipulating minutia...round 2

OK, here's this months science project...

 

Last month, I rearranged payments and made sure that none of DW's accounts reported over 80%.  Her scores came up 26, 32, and 32 points.

 

This month, it's my turn.

 

I don't have the cash to get them all under 80%, but will have the cash to get them all under 90%.

 

(I have several paid to zero, and an overall util of 61.8% currently.)

 

Currently, my TU is 640, and EX Fako is 670.

 

I'll update this at the end of September....

Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.

Zero percent financing is where the devil lives...
Frequent Contributor
Posts: 375
Registered: ‎01-20-2012
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Re: manipulating minutia...round 2

Those are nice bumps in your DW's scores! Congratulations, and good luck with your own endeavor!

Current: EQ 673 September2013 / TU 696 September2013 (Walmart)
Start: EQ 584 Feb2012 / TU 629 July2012

Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $6000 / JCP $3900 / eBay MC $3200 / Barclaycard Rewards $2000 / Walmart $3300 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1700 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay
Regular Contributor
Posts: 157
Registered: ‎03-05-2012
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Re: manipulating minutia...round 2


tcbofade wrote:

OK, here's this months science project...

 

Last month, I rearranged payments and made sure that none of DW's accounts reported over 80%.  Her scores came up 26, 32, and 32 points.

 

This month, it's my turn.

 

I don't have the cash to get them all under 80%, but will have the cash to get them all under 90%.

 

(I have several paid to zero, and an overall util of 61.8% currently.)

 

Currently, my TU is 640, and EX Fako is 670.

 

I'll update this at the end of September....


Great info - congrats to the DW on the score increase

One item to remember as a variable is number of cards carrying balances - my experience has been that over 50% of them carrying balances will lower my FICO score.  Would love to see you research that one in the coming months

FICO: EQ 769, TU 762 , EX ???

Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007
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Re: manipulating minutia...round 2

Are any of her scores a FICO?

 

The problem is that you seem to be monitoring FAKO scores and they move around a lot compared to FICO scores.

 

Is the TU a FICO?

 

Over the last two years, I get almost 3 times the movement in most FAKOs compared to FICO. Just look at CK and see how often the score changes and how often the TransRisk and Vantage move differently, even in opposite directions for the same account change.

Valued Contributor
Posts: 2,691
Registered: ‎09-26-2011
0

Re: manipulating minutia...round 2


GregB wrote:

Are any of her scores a FICO?

 

The problem is that you seem to be monitoring FAKO scores and they move around a lot compared to FICO scores.

 

Is the TU a FICO?

 

Over the last two years, I get almost 3 times the movement in most FAKOs compared to FICO. Just look at CK and see how often the score changes and how often the TransRisk and Vantage move differently, even in opposite directions for the same account change.


Two of them are FICO.  Wallymart TU08, and a Discover denial EQ.

 

The EX is a fako...it's what we've got...

 

Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.

Zero percent financing is where the devil lives...
Moderator Emeritus
Posts: 12,454
Registered: ‎12-30-2011
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Re: manipulating minutia...round 2

If you were comparing the EQ FICO from here one month, to the one Discover gave you, unfortunately that's likely not a valid comparison as Discover almost certainly pulls a credit-enhanced industry option these days.  AFAIK all the major lenders have adopted the Bankcard score.

 

Wally TU -> Wally TU is a representative sample, and a nice boost to be sure!

 

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Contributor
Posts: 84
Registered: ‎03-11-2011
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Re: manipulating minutia...round 2

My experience:

 

08/01   80% Util  646   EQ MyFICO   14 accounts total        12 with balances, several accounts maxed with 90%+ util on indvidual cards

09/01   20% util  694    EQ MyFICO   15 accounts total          5 with balances, no maxed accounts, all with balances at 50% of CL or lower except one

 


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


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Established Member
Posts: 23
Registered: ‎08-18-2012
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Re: manipulating minutia...round 2

very cool 

Starting Scores (Lender Pull 7/12)
EX 500 TU 577 EQ 595


Current Scores
EX 678 (LP 9/13) TU 679 (LP 9/13) EQ 664 (myFico 10/13)

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