topic Re: Score boost. Is this real? in Understanding FICO® Scoring

Score boost. Is this real?

Anonymous — Fri, 25 Mar 2016 17:02:31 GMT

What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom (accounts, not inquiry) was added to my report on the 21st and that did not change my score.

I found that a 120d late payment was removed and the account went positive status/current instead of paid after chargeoff for an old school loan back in 2007 that I made payment for in 2011. Thank you Lexington Law!

Transunion only collection was removed.

Both EQ/TU V3 scores dropped 50-60 points. I guess V3 sees it differently. Anyway, Fico went up and I am happy. CLI's here I come!!!

Re: Score boost. Is this real?

Anonymous — Fri, 25 Mar 2016 09:36:31 GMT

@Anonymous wrote:
What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom was added on the 21st and that did not change my score.

Something changed... My wife had a collection age off her account and it jumped 28 points on her a few weeks ago.

Re: Score boost. Is this real?

SecretAzure — Fri, 25 Mar 2016 11:41:50 GMT

@Anonymous wrote:
What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom was added on the 21st and that did not change my score.

While the card(s) you got might have only shown a hard pull and no change, it might be Experian seeing your new credit lines with an overall total CL. Maybe. Anyways, congratulations! That's progress!

Re: Score boost. Is this real?

Anonymous — Fri, 25 Mar 2016 17:00:23 GMT

@SecretAzure wrote:
@Anonymous wrote:
What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom was added on the 21st and that did not change my score.
While the card(s) you got might have only shown a hard pull and no change, it might be Experian seeing your new credit lines with an overall total CL. Maybe. Anyways, congratulations! That's progress!

Studied the new report and posted what I have found in the OP. Thanks

Re: Score boost. Is this real?

Thomas_Thumb — Fri, 25 Mar 2016 18:59:52 GMT

@Anonymous wrote:
What the .... on CCT my Experian score jumped to 676 from 639. That is a 37point increase and nothing changed? Could that just be my excellent pay record? The Macy/Nordstrom (accounts, not inquiry) was added to my report on the 21st and that did not change my score.

I found that a 120d late payment was removed and the account went positive status/current instead of paid after chargeoff for an old school loan back in 2007 that I made payment for in 2011. Thank you Lexington Law!

Transunion only collection was removed.
Both EQ/TU V3 scores dropped 50-60 points. I guess V3 sees it differently. Anyway, Fico went up and I am happy. CLI's here I come!!!

Congratulations on clearing out the derogs! The impact of these events can be rather confusing (and unpredictable at times) when your profile is assigned to a different scorecard. Getting rid of baddies is always a good thing.