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Your FICO score may have gone up because the following 4 factors are not hurting your FICO score as much as before:
Very convincing scorewatch.
Also
Changes to your credit report
Ive never had ANY negative anything on my reports
my credit history is only two years long.
Granted might be that most of my accounts are past the 6 month mark (new account ding?) but thats about it.
Obviously ive used my cards for rewards during the holiday season.
should be back to normal by end of feb.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
Your alert looks normal. I get them too. It's a score alert. As you know, absent any credit alerts (e.g. balance increases, new TLs, new inquiries, etc.) SW will begin monitoring your EQ FICO for score changes every 7-10 days. Within or by that time frame, it'll present either a notice saying nothing is happening, or will throw out a score alert with your score change. It'll only guess as to the change, but the guesses aren't wholely reliable. If your balances increased, then their guess was accurate.
The second part of the alert is a generic response and everyone gets it. It'll throw out ideas as to why a score changed, but they don't always apply to you.
ETA...immediately change your target score to match your latest alert.
thanks illecs. i know this.
as soon as i get a sw alert i change my score to the current score.
i just thought it was funny to be so repetitive.
as for alerts, besides cutting my balances down(getting back to 9%) i dont think ill be getting anymore mid week updates.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |