Frequent Contributor
atarvuzdar
Posts: 375
Registered: ‎01-20-2012
Re: How accurate is TU scoring from here?

jwills1218 wrote:

I didn't look at the TU report as carefully as I should have!

 

Eq: Negative

Wfnnb

Merrick Bank

Paypal

Barclays

Citizens

Wffnb - Room Store

 

Balances/CL: (Shows exactly the same as TU)

Amex:$4172/$4200

Amex:$1008/$1000

MB: $941/$950

BestBuy:$1924/$2500

Cap1: $467/$500

 

TU Negative:

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:

Amex: $4150/$4200

Amex: $775/$1000

MB: $0/$950

Cap1: $0/$500

BestBuy: $1900/$2500

 

 


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. :smileyhappy:

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