Re: SCOREWATCH ALERT!

guydiver · ‎08-30-2007

AAAWWWWW man........Got two cards paid off. Still two more to go. I got 8 points for my efforts. Still have baddies.....and over 30% util. But I got a plan.......Gonna have a 800 party, everybody invited.

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 9.1K, Travelocity AMEX 12.5K :Take the FICO Fitness Challenge

K_J · ‎01-31-2012

Congrats

Starting Score: EQ: 532, EX: 569, TU: 621 (All lender pull 10/15/11)
Current Score: EQ: 648 Myfico 12/03/12, EX: 671 lender pull 3/11/13, TU: 663 (Myfico 9/6/12)
Goal Score: 700

Take the FICO Fitness Challenge

2NE1 · ‎12-06-2011

guydiver wrote:
AAAWWWWW man........Got two cards paid off. Still two more to go. I got 8 points for my efforts. Still have baddies.....and over 30% util. But I got a plan.......Gonna have a 800 party, everybody invited.

you're saying that because your balance amount changed to $0 on two cards you got 8 point increase? I thought they didn't send an alert whenever balances decrease... at least that's what I was told. "SW alerts you only when balances increase"

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620 for starters!

Take the FICO Fitness Challenge! | Silver Spade Garden Club Member - GC Challenge: App free since 7/2012
*rebuilding mode* wallet: Cap1 Platinum (750CL); Orchard Platinum (400CL); Macy*s (2KCL); NFCU cashRewards (6KCL); Walmart (400CL); Amazon (800CL)

Adalen · ‎05-01-2007

It doesn't. The SW alert was probably because the FICO score changed and not due to the balance decrease. The balance decrease effects your utility and the lowered utilization is probably what caused a score increase and the score increase triggered the SW alert.

Looks you've come a long way! Congrats! Hope to be in your shoes someday. I also had a SW alert for increased score after a new account started reporting. Small, but I'll take it.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.

2NE1 · ‎12-06-2011

Adalen wrote:
It doesn't. The SW alert was probably because the FICO score changed and not due to the balance decrease. The balance decrease effects your utility and the lowered utilization is probably what caused a score increase and the score increase triggered the SW alert.

Looks you've come a long way! Congrats! Hope to be in your shoes someday. I also had a SW alert for increased score after a new account started reporting. Small, but I'll take it.

I noticed you have Apple on your wallet... as in APPLE FCU? so you're from VA as well? I recently got my car refinanced thru them! they lowered my 26.99% car loan interest to a 9.24%! they're my new fave bank!

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620 for starters!

Take the FICO Fitness Challenge! | Silver Spade Garden Club Member - GC Challenge: App free since 7/2012
*rebuilding mode* wallet: Cap1 Platinum (750CL); Orchard Platinum (400CL); Macy*s (2KCL); NFCU cashRewards (6KCL); Walmart (400CL); Amazon (800CL)

Adalen · ‎05-01-2007

No, I actually didn't know there was a CU called Apple! lol My Apple card is in reference to the computer manufacturer and financed through Barclay Bank.

2011: EQ 580~
2012: EQ 620~
2013: EQ 641, TU98 645, TU04 635, TU08 635, EX 648 (lender)
Closed on first home 4/25/13.

2NE1 · ‎12-06-2011

Adalen wrote:
No, I actually didn't know there was a CU called Apple! lol My Apple card is in reference to the computer manufacturer and financed through Barclay Bank.

LOL! that was my second guess!

Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620 for starters!

Take the FICO Fitness Challenge! | Silver Spade Garden Club Member - GC Challenge: App free since 7/2012
*rebuilding mode* wallet: Cap1 Platinum (750CL); Orchard Platinum (400CL); Macy*s (2KCL); NFCU cashRewards (6KCL); Walmart (400CL); Amazon (800CL)

guydiver · ‎08-30-2007

Yes, the alert came from a EQ score increase. I figured I would get a bump when those two cards reported $0 balance. I should get another bump when the third card is paid. That will put me at <50% of revolving accts. reporting a bal., then another when I get below 30% util. I set my score watch to my current score so it alerts for any score change. I also have baddies due to fall off. That's the wildcard that should get me close to 800.

MyFICO Forums ROCK!! & . Been There, Done That. Never Going Back! Goal>>>> 800,800,800!

Starting Score: 1/05 upper 500's??Current Score: FICO: EQ 783, TU(98) 790, EX 814(Vantage) 779(CS) Goal Score: .....800 IS ON MY BUCKET LIST! EX ,BITE ME! .
In My Wallet: CU Visa 15K, Sam's Club 10K, Lowe's 10K, Cabela's Siggy Visa 9.1K, Travelocity AMEX 12.5K :Take the FICO Fitness Challenge

FairCredBen · ‎10-25-2011

you will see most of your scoring come once you get that util below 30% llecs has a guide out on it...

Current Score: EQ: 715 | TU: 694 | EX: 691

Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000

rx30 · ‎04-02-2007

Was it your FICO score that jumped. Im asking because I just within the last month paid 5 credit cards to zero and another 2 to balances of less than 35% util. I havent seen a score change or alert yet. Im really trying to be patient here. Any pointers.