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Rhaeny wrote:

Okay, I'll make a wild guess here.  One of your oldest accounts fell off and at the same time a new credit item with a balance appeared which reduced your AAoA and increased your utilization.

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After going over all the scenarios pictured in this thread, some being pretty clever and creative, and some being very "realistic" , I think this one came the closest. So Rhaeny will be honored in my signature line for a whole month. Congrats! If you don't like the way it looks now, let me know what you would like to see.

What is this strange button I have.  Oh, I can edit this post too?  So, maybe, just maybe, I could change that name.   LOL.   J/K  Congrats to Rhaeny on getting it!

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Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

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Shogun wrote:

What is this strange button I have.  Oh, I can edit this post too?  So, maybe, just maybe, I could change that name.   LOL.   J/K  Congrats to Rhaeny on getting it!

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Behold the Moderator's post manipulating power! You know, you could have possibly edited your post had you participated in the game before the result came out

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HiLine wrote:

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Rhaeny wrote:

Okay, I'll make a wild guess here.  One of your oldest accounts fell off and at the same time a new credit item with a balance appeared which reduced your AAoA and increased your utilization.

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After going over all the scenarios pictured in this thread, some being pretty clever and creative, and some being very "realistic" , I think this one came the closest. So Rhaeny will be honored in my signature line for a whole month. Congrats! If you don't like the way it looks now, let me know what you would like to see.

 

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LOL! Okay I can't believe I guessed it.  I wish this had a "Lotto" flavor attached to it, but since it doesn't this is second best .

And the signature is just fine.  Thanks!

Starting Scores: EX 722 (USAA), TU 637 (Walmart), EQ 706 (myFico)
April Scores: EX 722 (USAA), TU 669 (Walmart), EQ 705 (DCU)
Goal Scores: 750 across the board
Emergency gardening mode~~Last app: 4/8/2013

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Rhaeny wrote:

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HiLine wrote:

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Rhaeny wrote:

Okay, I'll make a wild guess here.  One of your oldest accounts fell off and at the same time a new credit item with a balance appeared which reduced your AAoA and increased your utilization.

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After going over all the scenarios pictured in this thread, some being pretty clever and creative, and some being very "realistic" , I think this one came the closest. So Rhaeny will be honored in my signature line for a whole month. Congrats! If you don't like the way it looks now, let me know what you would like to see.

 

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LOL! Okay I can't believe I guessed it.  I wish this had a "Lotto" flavor attached to it, but since it doesn't this is second best .

 

And the signature is just fine.  Thanks!

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Tried my best to make this a fun game.

BTW, utilization does have a huge effect on FICO scores. By dropping utilization from 40% to 30%, I raised my Equifax FICO score by 15 points!

Since the day I wrote the original post, I have brought my score back up. Since November 28th my score has jumped 61 points! It's amazing how much scores can fluctuate in such a small time window...

Exactly one month after the huge score drop, my score has fully gained back the points, and some more! The total score increase since the tank is 65 points, netting a 9 points increase!