topic Re: Pretty big TU Fico 8 point increase in Understanding FICO® Scoring

Pretty big TU Fico 8 point increase

oldman425 — Thu, 09 Feb 2017 00:48:01 GMT

It went up 52 points today and I have no idea why. My next 3b comes out in a couple days, guess I'll have to compare the new one to my last one.

Re: Pretty big TU Fico 8 point increase

Anonymous — Thu, 09 Feb 2017 02:06:38 GMT

52 points is significant enough that I think you would be able to figure out why quite easily. Usually a point gain that big could be from a negative item coming off. Do you have a negative or negatives on your report? Outside of that, a dramatic utilization drop like from maxed out to single-digit aggregate could be the reason, but you'd be well aware of that happening. If you could provide some basic feedback on your current profile and anything that has changed with respect to it recently that would be helpful.

Re: Pretty big TU Fico 8 point increase

oldman425 — Thu, 09 Feb 2017 07:48:47 GMT

My chap 13 falls off in April, besides that there are several negatives related to the 13 that will be dropping over time. Besides my quatrerly myfico reports the only way I check my reports is through credit karma and they are not very reliable. My next 3b is in 3 days, I should be able to see the difference there.

Re: Pretty big TU Fico 8 point increase

elim — Thu, 09 Feb 2017 08:06:56 GMT

Sweet! I'm thinking your BK is gone. Congrats on the bump regardless what caused it.

Re: Pretty big TU Fico 8 point increase

oldman425 — Sun, 12 Feb 2017 06:58:53 GMT

The BK is still on there, but a few of the accounts from the BK have dropped along with several inquiries.