FAKO goes down FICO goes up

Anonymous — Fri, 01 Jul 2016 03:09:54 GMT

I'm in the process of rebuilding. 2 years ago I had 25 derogs totalling about $45K. Yesterday my last derog updated to zero balance. It's a nice feeling. I have about 15 months until my last derog falls off, but 90% will be off with in 10 months. Many 120s... So, I have 4 cards with about $5.5K in CL. I only carry about 5% UTI month to month on my open accounts. I had an old Juniper card that was showing a balance of $2450 against a limit of $1750. It was pushing my UTI up crazy, it was only 3 months ago that I only had $3K and 1 card (Secured). As soon as it triggered over the course of 24 hours all 3 CBs pinged me on Myfico as having updated. I went up anywhere from 23 to 35 points on Fico, I am between 612 and 616. I also have memberships to all 3 CBs. EX and EQ are within a couple points. TU with their VS3.0 went from 591 to 583. But my TU Fico had the biggest jump of 35 points.

Re: FAKO goes down FICO goes up

RonM21 — Fri, 01 Jul 2016 12:11:14 GMT

The ficos are the ones that count, and them going up in great! Congrats on the improvement.

Re: FAKO goes down FICO goes up

Anonymous — Tue, 05 Jul 2016 05:09:44 GMT

So, no other changes and my TU VS3 FAKO jumped to a 730!!!

Re: FAKO goes down FICO goes up

surferchris — Thu, 07 Jul 2016 21:33:25 GMT

Congrats on the progress!

topic Re: FAKO goes down FICO goes up in Understanding FICO® Scoring

FAKO goes down FICO goes up

Re: FAKO goes down FICO goes up

Re: FAKO goes down FICO goes up

Re: FAKO goes down FICO goes up