topic Re: Wow in Credit Cards

Wow

creditnocash — Fri, 09 Nov 2012 14:00:08 GMT

Don't know why but my score shot up

724 to 748! Just gardening.

Re: Wow

creditnocash — Fri, 09 Nov 2012 14:01:09 GMT

I don't know why this created a new thread when I was in the Walmart scores for November

Mods please delete this thread

Re: Wow

SportBike4Life — Fri, 09 Nov 2012 14:04:26 GMT

@creditnocash wrote:
I don't know why this created a new thread when I was in the Walmart scores for November

Mods please delete this thread

Anyhow, congrats on the huge score increase! =)

Re: Wow

distantarray — Fri, 09 Nov 2012 15:17:18 GMT

your AAOA might have hit a new Tier or sometimes a credit limit is reported late lowering your utility there's a lot of things Fico does weird an never explains. I was able to get 750+ in 1 year and I have friends who couldn't hit that in 5 years.

Re: Wow

Anonymous — Fri, 09 Nov 2012 15:52:54 GMT

Congrats

Re: Wow

creditnocash — Sat, 10 Nov 2012 00:49:27 GMT

@distantarray wrote:
your AAOA might have hit a new Tier or sometimes a credit limit is reported late lowering your utility there's a lot of things Fico does weird an never explains. I was able to get 750+ in 1 year and I have friends who couldn't hit that in 5 years.

this is true. really the only thing i can think of is that i havent openned any new accounts since agust and my oldest new account turned 5 months. card says since july but inq is jun 26th.

other then that my util went to 7% vs 1% and 2 cc reporting and amex with the balance that doesnt effect util.

paid amex and my highest card so now just best buy reporting 325 out of 14k in limits.

Re: Wow

LS2982 — Sat, 10 Nov 2012 00:52:15 GMT

Congrats!!!

It's possible you were rebucketed or your accounts aging created a positive impact on your score.

Re: Wow

creditnocash — Sat, 10 Nov 2012 01:05:31 GMT

@LS2982 wrote:
Congrats!!!

It's possible you were rebucketed or your accounts aging created a positive impact on your score.

im ok with this idea lol.

now for score watch to update me score =/

or ck.

like in the other thread when i first got my walmart card to now.

Re: Wow

SpiceIslander — Sat, 10 Nov 2012 01:07:40 GMT

Congrats....reasons don't matter much. LOL!