Re: How accurate is TU scoring from here?
09-13-2012 08:01 AM
I didn't look at the TU report as carefully as I should have!
Wffnb - Room Store
Balances/CL: (Shows exactly the same as TU)
WFNNB- Room Store acct (2008) *Same as equifax*
Citibank (student Loan Dec 2005) *Not on equifax*
Paypal (30 day late 2008) *Same as eq*
Citizens (30,60 late, redeemed repo) *Same as eq*
Barclays shows as no lates
Other WFNNB as no lates
Merrick Bank no lates
That's clearly what is helping my score! I have 1 negative on TU that doesn't show on EQ but I have 3 negs on EQ that don't show on TU!
I'm hopeful this month i see an increase. My balances now look like this:
You've definitely put a dent in your util, congratulations! I wouldn't be surprised if you saw a bump in your score since you dropped your util from basically maxed out to around 75% util, and you've also now got two accounts with $0 balance which also factors into your score. Keep plugging away at those balances, you may just find some pretty good score increases when you get below 30% and then again below 20% and, finally, below 10% overall. Of course, the myFICO mantra of YMMV is always at play, so keep that in mind.
Start: EQ 584 Feb2012 / TU 629 July2012
Wallet: BofA Cash Rewards Visa Sig $5000 / Lowe's $4500 / JCP $3700 / eBay MC $2000 / Barclaycard Rewards $2000 / Walmart $2000 / CapOne NHRC $2000 / CapOne Platinum #1 $2000 / Amazon $1300 / Discover It $1000 / CapOne Platinum #2 (former Orchard) $750 / Amex Zync $500 Autopay